23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/2015, I called Capital One to inquire why my card repeatedly declined. There had been a hold placed on the account regarding charges it felt could be fraudulent, but I had made the charges. I spoke to XXXX, an account specialist who lifted it after verifying pertinent information, and who said he 'd lift the hold, but it was n't lifted. I called back, but I could not remember my password, as I just get out XXXX two weeks ago, after having a long stay. I spoke to XXXX and subsequently XXXX who put me through the ringer, doing verification, passing all questions ; and, yet, they still demanded I send in proof of who I am, though by at that point I had remembered my password and it was verified. I went through a long verification process and passed, though XXXX LIED and said I did n't. I HAVE NEVER LIVED IN ARIZONA, SUCH QUESTIONS LIKE THIS WERE ASKED!! This is nothing but harassment. I just got out XXXX, and I am still very sick. XXXX had the audacity to tell me go out and apply for a state ID, as in NY you are not required to have a state ID. Here I am, sick, and this XXXX tells me to go get a state ID and send that in, after she had put me through a very long, longer than usual, verification process!!! This is nothing more than senseless harassment and ABUSE from these XXXX dogs, because they, literally, uncalled for, put me through XXXX! This is why I am filing a complaint, because there is a hold on my account and it is totally unnecessary, because despite repeatedly telling them and the notes showing XXXX verified who I am and was supposed to remove the hold, but he did n't who the system failed, they would n't budge.
Product: Credit card or prepaid card

This is not a duplicate. 

My complaint is that Capital One lied. 

They said that they had resolved my problem but they did not. They claim that I was able to log in, but I was not - I keep getting the message " Let 's get this worked out. You may not be able to see all your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX  ) XXXX. '' There is nothing to click on, no way to move beyond this page to access my account. 

I do not have online access to my credit card information. I need online access ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received unauthorized charges on my credit card from Transunion. I immediately contacted the company on XX/XX/. Upon connecting with a customer service representative, I was told to send the complain via email to XXXX. I sent all information, and received a response the next day that I had to provide a credit card statement to verify the charges. Upon receipt of the statement, I sent it back, but the email address came back as undeliverable. I then called the company, was told it was fraud and that I was due a refund. The service rep then disconnected the call. I called back XXXX more only to be disconnected by the representatives both times. I can not get any agents on the phone, the email address does not work, and the website is " experiencing difficulties ''. I can not get this resolved and it is a fraud case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Pa, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Co ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which | will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Mortgage

Denial of mortgage Re-Fi opportunity due to false information. Deceptive information and claims regarding denial. Loan officer ( XXXX ) stated loan denied based on derogatory information reported from XXXX XXXX on or about the XX/XX/2021 which is protected by the Cares Act. Loan with XXXX XXXX was amended to reflect a new maturity date. Loan was never delinquent or pass due at anytime. Spoke to XXXX XXXX to ensure that it was not reporting negative on my wife and I credit report. I also pulled our credit reports to verify. XXXX stated he called to advise, never happened. Stated denial letter was mailed around that time, never received. We then sent emails for clarification regarding the specifics of the denial that was never answered on or about the XX/XX/2021. Left several messages to return calls to no avail. Spoke to XXXX, stated would look into the matter and return call, never did. Spoke to XXXX on or about the XX/XX/2021, stated would have XXXX manager call me back. Again no call. Received denial letter dated XX/XX/2021 with bogus information on the reason for denial. Was not the supposed originally dated denial letter. Pulled credit reports to reflect the correct information. Never received originally dated denial letter. Need answers to why I could not speak to the department that provided the erroneous information, why I was not contacted regarding denial until the day before settlement ( XX/XX/2021 ), why veterans are treated by this organization with this level of deception, why I continue to receive solicitations from this company even after denial, why are they allowed to send incorrect credit reported information, why I received a denial letter dated the XX/XX/2021 when I requested the original letter sent via email, what corrective measures they have in place to correct this disservice to veterans, what are they going to do as an organization supposedly supporting veterans to correct this wrong, why have, after requesting the direct mailing address for the Board of Directors not provided? Request made via website. What are they going to do to provide re-fi services to my family and I. On or about the XX/XX/2021, I contact the XXXX who as of XX/XX/21 have not yet received a response back from them. Did receive a call from XXXX who stated was XXXX manager, he could only apologize for no one getting back to us. All other concerns still remain. The company in questions is New Day Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo Bank is yet to answer to my facts in which I been presenting over and over a note doesn't constitute a LOAN, A Mortgage is the collateral pledged for the loan please show me the PURCHASE MONEY LOAN CASH ADVANCE that Wells Fargo Bank provided to me to purchase XXXX XXXX XXXX XXXX NY XXXX WET INK! XXXX please stop conducting fraud on my Full Faith In Credit. I don't understand why the CFPB keep turning a blind eye to the facts instead of doing there job, Wells Fargo isn't a bank it's a FDIC member created for insurance purposes in stability of the central, it is not a federal reserve bank so why is this fraud allowed to continue.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit card

I paid my car lease on my credit card with Chase and was told there was a fee attached, {$21.00}, I understood and went through with the payment. On my following credit card statement the lease payment was n't there ( it was after the cut off date of the statement ). I paid the credit card in full. The following statement showed the lease bill paid and the {$21.00} fee attached. But on this statement they charged me {$10.00} interest fee. I called up and spoke to a representative who said that even though no interest was shown for me to pay on the statement and I paid in full, interest was acuring. I asked how could I pay what I did n't see, she said I should have called Chase to see what amount I owed and she could do nothing about the {$10.00} interest. I then paid that statement in full including the {$10.00} interest. This month I received my statement with another {$3.00} in interest. I called again and was told basically the same thing, I should have called to find out the right amount to pay. I ca n't understand why would I have to call to find out the right amount when I pay what the statement says. This is the second month being charged interest for an amount I could n't see.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed to 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

I have tried to access my Experian account Tuesday XXXX XX/XX/year> to temporarily unfreeze my credit and to get a free credit report. It prompted me to create an account, which I did. When logging in the only screen I have available is to access the free credit report. I'm prompted again to put in my social security number and address. I then get a website that says there is trouble verifying the account and to call the number to speak with a representative. When calling the number I'm prompted by the automated machine to verify my account, I give them the information I provided on the website, it accepts it, but it doesn't give me an option to verify to access my account. The options are to freeze or unfreeze or get your credit report. I have called 8 times trying all these options and it just directs me to the website or the call number which is a horrendous loop with no answer. None of their account recovery tools function properly so I can't even access the website anymore.
Product: Credit card or prepaid card

I keep receiving unauthorized VISA cards from Square. I sent an email to the company asking to stop all mailings and another card was received last night. I am concerned about the safety of my account so I removed my bank information from their app. The mailings are clearly marked that they are coming from Square and are clear that there is a card inside. Can issuers send cards without customers permission? All of the issuers that I do business with send replacement cards in non-marked envelopes so it is not obvious there is a card inside. Since Square ( cash app ) accesses my bank account -- this is very concerning and a poor practice. Each of the five plastics I have received at this point have had gibberish imprinted on the front of the card ( $ grdhfgjfgjfhkhk ), my full name, VISA number they issued ( bin XXXX ), exp and CVV. On the flimsy paper it is stuck to there is a QR code to activate. Paperwork is extremely minimal- no terms and conditions. This practice needs to stop -- and this company needs to stop mailing VISA cards that were not authorized to my home.
Product: Debt collection

In XX/XX/2021 I gave Capital one my Checking and routing # to make the payment of {$270.00} which was the balance on my credit card. They waited until now to send me something in the mail saying that the payment didn't go through and that there was an issue with the checking and routing #. My complaint is that they should have called me as soon as the payment didn't go through, not only has my credit suffered due to there neglegance but they have doubled the price that I owe them, making it now {$410.00} I am a United States Veteran and I haven't been late on payments in years. My hopes are that Capital one will reverse the late payment claims on my credit report and erase the extra amount that they have added on to the {$270.00} I intend on paying {$270.00} but anything over that I do not want to pay.
Product: Credit reporting or other personal consumer reports

Once again, I am writing to file a formal complaint against XXXX & Equifax regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same accounts over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same XXXX accounts showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact accounts. 

I have attempted to resolve this matter directly with XXXX & Equifax by via my dispute letters. Despite my efforts, the issue remains unresolved, and I believe that XXXX 's actions are in violation of the FCRA. 

After months of disputing they even told me they couldnt verify the disputes because they didnt know if it was me sending them anymore I then proceeded to begin getting the letters notarized which no one else can do on my behalf and still the same result. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

In early to mid XXXX I called Wells Fargo to see if there were any available promotions able to be applied to my account. I was given 0 % interest on purchases for 6 months, and 0 % interest on balance transfers for 15 months with a 4 % of the total balance transfer fee upon transfer. I accepted the promotions to be applied to my account. A few days later I called WF again to set up the balance transfer, but before instigating the balance transfer I verbally confirmed with the representative 3 to 4 times that if I made an approximately {$500.00} purchase, and a {$4000.00} balance transfer, and then paid $ XXXX monthly, that the 6 month 0 % interest balance would be paid off before the 6 month promotion expired and I would subsequently be charged interest. The representative verbally confirmed that the 6 month balance would be paid off, multiple times, which I took to be a verbal contract between me and Wells Fargo Bank. I initiated the balance transfer of {$4000.00}, and was charged the 4 % fee of {$160.00}. I also made a {$490.00} purchase. These charges posted to my account XX/XX/XXXX. These two separate promotional balances were shown on my XX/XX/XXXX statement. I then made a {$400.00} payment which applied on XX/XX/XXXX. Upon reviewing my XX/XX/XXXX statement, I found that the 6 month promotional balance had been reduced by {$26.00} to {$470.00} and the 15 month promotional balance had been reduced by {$370.00} to {$3700.00}. 6.645 % of my {$400.00} payment was applied to my 6 month promotional balance, and 93.355 % of my {$400.00} payment was applied to my 15 month promotional balance. At this rate if I continue to make {$400.00} payments monthly I will not pay off the 6 month promotional balance before the promotion is over, and I will be charged interest. I called Wells Fargo today, XX/XX/XXXXand was escalated to a supervisor and then to XXXX at the Executive Office of Customer Care. I explained my situation to him and informed him that I felt that Wells Fargo was breaching a verbal contract made with me. XXXX informed me that there was nothing he could do, and that if I continued to make the $ XXXX monthly payments I would not pay off the balance and would be charged interest. I asked XXXX to provide me with an explanation of how Wells Fargo applies payments to different promotional balances on the same account, and he either could not or would not provide me with that information. In conclusion, I feel that Wells Fargo Bank is in breach of a verbal contract because I was assured that my 6 month promotional balance would be successfully paid off if I made {$400.00} payments per month, and now that I have reviewed my statement after making a {$400.00} payment I see that I will not be able to pay off the 6 month promotional balance in time to avoid being charged interest.