23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXX AUTO ACCOUNT NUMBER XXXX BALANCE {$520.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. 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 item of information, other than records of convictions of crimes which antedates 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 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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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.
Product: Credit card

On XX/XX/XXXX I made a payment on my Old Navy Awards Card issued by Barclays Bank in the amount of {$46.00}. It was for an online purchase of {$22.00} and included a late fee of {$22.00}. I forgot to pay it because I forgot I used it. I never use it because Ive had NOTHING but problems every time I do. A few weeks later I noticed I have another balance of {$46.00} plus an additional {$22.00} & another {$2.00} saying my payment was returned by my bank. I called because I have no idea why that would have happened, I had thousands in my checking account. They waived the fee, I paid it again over the phone ( this was on or around XX/XX/XXXX ). A few weeks after that, I noticed it happened again! I called my bank, and they have NO RECORD OR ANY TRANSACTIONS FROM BARCLAYS BANK. Nothing that they would have stopped or reversed at all. Nothing going out, nothing coming back in. So I called Barclays again! Was on the phone for HOURS fighting these fraudulent fees! Finally they agreed to me paying the original amount of {$22.00}. I asked for them to mail me a final statement, close my account. When I got it I would mail them a check directly. I am still waiting for a statement to come. My balance is still WRONG online! I get automated calls daily about a past due balance. I sent a message to them yesterday about it, and the message said someone will call within 24 hours, NO CALL YET. I see on my credit report that they reported a late payment. I have 100 % on time payments from all of my other accounts! This is insane. How can they still be in business with their fraudulent practices??!!! I need answers on where to go with this! Please help me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$170.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened my Checking account at XXXX XXXX XXXX in XXXX, NJ. I made first deposits by using Zelle to request XXXX dollars from my mother. On XX/XX/XXXX afternoon, I was in classroom. Suddenly Zelle sent me bunch of emails saying that I violated their policy, which I never done. I only received {$10.00} from my mother by Zelle. I never made any transaction with my account yet, XXXX is XX/XX/XXXX, I just activated my debit card. I contact Zelle and XXXX, more than 15 calls I made. Still, no one solved my problem. I am a high school student with XXXX, it's difficult for me walk to the bank using ATM to make deposits. Please help me, thank you! 

The script above are from the first complaint I made. Zelle did replied me with no solution! Zelle told me to call XXXX. XXXX told me to contact Zelle. Neither company want to take the responsible for me! I attached Zelle 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed Ch XXXX in XXXX, it was completed and XXXX in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with XXXX and Experian reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was astonished when I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Debt collection

I was served documents from the XXXX XXXX sheriff while I was out of town and a XXXX : my son was asked if an adult was present and my daughter signed but no identification was verified. I was summoned to court and account has been settled but its still reporting on my credit report
Product: Credit card or prepaid card

I am trying to connect my Capital One CC to a budget tracking app called, XXXX. However, I am unable to do so, and get the following error ; Capital One is blocking you from enabling external applications.
Product: Credit reporting

The agency needs to remove incorrect bankruptcy information from my credit file. I have disputed but it still has not been removed.
Product: Prepaid card

They are charges on my account for purchases that didn't go through but I never made those purchases.
Product: Mortgage

As we were working out a mortgage with Mr. XXXX we opted to do an extended rate lock with a one time chance to opt into the open market rates within 60 days of closing. When the time came to lock in the rate, mr. XXXX did not present us with the open market rate ( which we found out after the fact was 3 % ) and opted instead to strongly push us towards the floated rate lock. The Floated rate lock was 3.5 % and we opted to purchase points to lower to 3.375. The problem is that he did not communicate in any form or fashion the open market rates and when I confronted him about it his response was that those are their interest rates which was not true. Once we had exercised the float he became much more transparent after I called him and his manager, XXXX. I tried to resolve this dispute with both of them and was eventually told that the Company committed no wrongdoing and the rates will be left as is. 

This should not have happened. XXXX first and foremost duty is to keep us informed. A complete picture needed to be painted prior to us being hurried into a decision. No one should treat their clients like this. If they are right and there truly is no wrongdoing then that means every single person in the United States needs to be an expert in mortgages or else they will be abused in this manner. We were mislead from the start which is not how an honorable business should be run. I lost XXXX USD and got a much higher rate than the open market.
Product: Debt collection

I sent amsher collection services a cease and desist letter by certified mail. I also attached an invoice for {$5000.00} and the exhibits to match my claim of amsher collection services violating my federal protected rights. They already admitted to guilt by deleting the collections off my credit report that they fraudulently added without my consent. I need to be compensated.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX person was sent to our home, who brought closing documents for us to sign. We are been charged for this service we were not allowed to find this service on our own which would have cost a lot less. We did sign these documents on XX/XX/XXXX. 
One of the items, in these documents, listed in " Closing Cost Details '', lists numerous charges, as well as a list of our accounts, which XXXX insist on paying off for us, using proceeds from the loan. 
As I am writing this response, it is Monday, XX/XX/XXXX, XXXX XXXX, PST, none of the accounts listed in Payoffs and Payments section are paid off! Only the cash small part of the loan, that is due to us, was deposited in our account today. 
This is todays response from XXXX : I apologize for the delay, the last communication I received from the title company was that your loan was in queue to be released. I have no control over the time it takes it release the funds or for the receiving party to process payments received. 
I have requested status updates from the title company again this morning and will forward the response. 
And then response from the title company : This has disbursed. Thank you for partnering with XXXX! 

We didnt choose this title company- XXXX did! We are forced to pay for these services directly and now by paying an interest for the loans to be paid off and the loan used to pay it off at the same time! 

I wonder how much of money from " Prepaid Interest ( {$21.00} per day from XX/XX/XXXX to XX/XX/XXXX - {$130.00} XXXX expects to collect from us, while we paying interest in the accounts, they were supposed to pay off by XX/XX/XXXX!
Product: Credit card or prepaid card

Im writing this letter to report that my credit card with Citibank are illegally being monitored. 

I suspect someone have illegally accessed my personal information and track my credit card activities without my permission. 

I received 3 Robocalls from Citibank since Friday, XX/XX/2019. 

This activities are ongoing and needs to be stopped due to privacy violation.
Product: Credit reporting or other personal consumer reports

" noticed several unauthorized inquiries on XXXX credit report that I would like removed XXXX them that according to the FCRA these unverifie and unauthorized items must be removed. '' XXXX XXXX XXXX XXXX  XX/XX/year> 2023
Product: Checking or savings account

I've Purchased A Business Premium Unlimited Plan From XXXX On XX/XX/XXXX For {$170.00} Which Supposed To Have Included The Automatic Upgrade To Modalyst Start Up Plan Free Of Charge. However, I Was Charged {$37.00} Each Month For The Months XX/XX/XXXX For XXXX, XX/XX/XXXX {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00} And XX/XX/XXXX For {$37.00}. XXXX Was Refunded On XX/XX/XXXX For {$37.00} Which Leaves A Balance Of {$260.00}. However, On XX/XX/XXXX Only 2 Out Of 7 Was Charged Back To A Non Working Card Ending in XXXX. I Was Told By XXXX Representative That They've Only Received The 2 Charge Back Requests From Chime Bank And I've Submitted All Of The Requested Charge Backs On One Submission To Chime And XXXX. I Need Assistance In Escalating My Claim Please. My Report XXXX XXXX XXXX FTC Is # XXXX. My Bank Is Trying To Assist Me In Getting My Refunds.
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. 
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 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 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 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 These have violated my rights per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that 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 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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: Debt collection

On XX/XX/XXXX, I received an email requesting {$20000.00} for a debt I did not know with this company. I NEVER received a statement from this company. 

On XX/XX/XXXX, I sent a letter certificate letter to the company asking for a " Verification of the Debt. I stated that I was invoking my rights under the FDCPA and any other applicable state laws as well. A request is hereby made that suspend all collection activities and that the agency provide me with clear and convincing evidence that I have a legal obligation to pay and/or the original creditor for the amount in dispute. 

On XX/XX/XXXX, the letter was delivered and signed. 


The company violated my rights on the following dates : On XX/XX/XXXX and XXXX, XXXX, the company
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive addressed the fact that XXXX XXXX  has been continuously re aging an account that they purchased. The company also continuously reports this COLLECTION account as an open line of credit with a past due balance, however collection accounts should never be reported as an open account with a balance because legally its already past due and there is no agreement between me and the company. Ive tried resolving the issue with all 3 of the bureaus, the company itself as well as your company and its still reflecting as a reaged account which is effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact XXXX and Transunion to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( XXXX and Transunion ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on XXXX  twice ) XXXX XXXX - Balance {$390.00} ( Transunion ) XXXX XXXX - Balance {$1300.00} ( XXXX ) XXXX XXXX - Balance {$0.00} ( Transunion ) XXXX XXXX - Balance {$300.00} ( Transunion ) I also submitted a FTC Fraud Affidavit to XXXX  and Transunion.
Product: Debt collection

These fraudulent accounts have damaged my credit score, led to the denial of legitimate credit applications, and caused significant emotional distress. 


.XX/XX/XXXX XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.
Product: Mortgage

Three years ago I paid off a practice loan at Bank of America. I went to refinance the mortgage on my XXXX  hospital through XXXX XXXX, There is still a lean on the property. This came to light during the title work by the title company. I am being told that the payoff was credited but Bank of America never closed the loan or removed the lean. Now they say it will be 60-90 days and there maybe additional fees. 

I will loose my commitment fee, {$1500.00}, I am paying XXXX a month more in interest ( the difference of 4 % interest. My loan may fall apart due to this delay. 

This is due to gross negligence on the part of Bank Of America. People should be very cautious about doing business with this lender.
Product: Mortgage

On XX/XX/2015, I wrote an email letter to XXXX XXXX, Bayview Loan Servicing , LLC that I wanted to sale my house because I was unable to meet with my monthly mortgage payments. Unfortunately, XXXX XXXX never responded back to me. My HARP was denied and since I was XXXX retired, my income had been reduced XXXX % prior to my retirement. During that time, I made XXXX of the payments each month in the amount of {$500.00}. Bayview Loan Servicing accepted and continued to receive monthly payments and charged me late fee and penalty. I stopped my monthly payments in XXXX of 2015 because Bayview Loan Servicing threatened me to foreclose my house. Instead, I made a " good faith '' and attempted to negotiate with them ; and yet, they refused to communicate with me. I wanted to sale my house but with a conditional, so that I can payoff my mortgage principal and I can keep the remaining amount of money. By doing that, both parties will be satisfied. The communication has broken down between myself and Bayview Loan Servicing , LLC . 

I do n't know who is my note holder/holders and I want to communicate with my note holder/holders, so that I can communicate directly. Bayview Loan Servicing can not makes that kind of important decision. If I can request you to find out who is my mortgage note holder/holders and with the complete contact information. The information as followed:1. Mortgage company/companies name. 
2. Mortgage company/companies complete address3. Point of Contact ( POC ) 4. Account NumberXXXX. POC 's Phone Number