23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I agreed to pay XXXX XXXX XXXX {$6900.00} for sewer line repair ( see email from XXXX XXXX and their estimate attached ). 
On XX/XX/2023 I paid XXXX XXXX {$1000.00} deposit from acc. Cap. One miles ending XXXX. ( statement enclosed ). 
On XX/XX/2023, over the phone, I authorized XXXX XXXX to debit my Cap. One Spark card ending XXXX for {$5900.00} ( also see email to XXXX XXXX XXXX enclosed ). 
But XXXX XXXX debited my Cap. One Spark XXXX card for {$7000.00} without my authorization. ( statement attached ). 
In total XXXX XXXX charged my credit cards for {$8000.00}, which exceeds the originally agreed payment of {$6900.00}. 
XXXX XXXX refused to refund the difference. 

I filed the dispute with Capital One. 
I explained that on XX/XX/2023 I did not authorize XXXX XXXX charged my credit card for {$7000.00} and that I did not authorize Capital One to pay {$7000.00} to XXXX XXXX ( see filled Cap One form enclosed ). 

Capital One requested invoice with the expected transaction amount, a statement including the last 4 digits of the card, an email from the merchant confirming the expected price. ( see Cap. One XX/XX/2023 letter, page 2, enclosed ). 
I uploaded all requested information to Cap. One web page ( see XXXX, enclosed ). 
Capital One stated that the uploaded documents " lacks all of the previously requested information '' ( see Cap. One XX/XX/2023 letter, enclosed ).
Product: Debt collection

I have written Equifaix many times to correct my credit report and I are still saying they can not access my account.
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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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.

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: Checking or savings account

On XX/XX/XXXX, I received an email from Bank of America offering {$300.00} if I ( 1 ) opened a checking account before XX/XX/XXXX, and ( 2 ) set up and receive direct deposits totaling {$4000.00} or more within 90 days of opening my checking account. 

I opened the account in the second week of XXXX, well before the deadline, using the link provided in the email. By XX/XX/XXXX, I had already received over {$4000.00} in direct deposits from my employer, which continued into XXXX. 

The terms in the email I received specifically state, " After you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. '' I have waited several weeks past the 60-day mark, and I have still not received the promotional {$300.00}. 

I have called Bank of America twice to inquire. The first time, I was told to wait a few more weeks. The second time, I was told that they could not find this promotion on my account, and transferred me to the " XXXX XXXX XXXX. '' However, this hotline transferred me back to standard customer service. I was unable to reach anyone at Bank of America who would resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. XXXX  GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined XXXX  XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!
Product: Debt collection

Various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Product: Debt collection

Happy Saturday everyone at XXXX ; I noticed an account that was removed early this year which original creditor was Cap1, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. 

In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. 

In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Bank account or service

Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. 
Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong address. I've tried numerous occasions and they refuse to remove the wrong address.
Product: Debt collection

Requested validation of debt from the collection agency XXXX XXXX XXXX. I was sent an application of credit, which will not prove validation of credit. It only shows a application was done, validation of debt is required by producing a copy of the assignment contract, purchase agreement contract I am now requesting a copy of the assignment contract, or proof of the purchase of the alledged debt.. 

The assignment contract agreement, and the purchase agreement contract. Which, validates the debt which is owed to XXXX XXXX XXXX. 

The selling of the debt from the original creditor, becomes violated once the debt is sold. Thus, violating the contract of agreement, between the original account owner, and the original creditor. 

I request that the assignment contract be provided, to verify Securit Credit legal right to collect the alledged debt If the agreement contract can not be provided I demand that this account be removed from all three of the major XXXX XXXX XXXX XXXX, Experian and XXXX.
Product: Mortgage

Due to COVID I was not employed when I was able and ready to return to work my only child was XXXX  in XXXX of 2021. The mortgage is held with PHH/ XXXX  dont understand the difference. When I was allowed to be in deferred status I requested every month to have the loan be process for a modification due to the fact that my son was XXXX  and he assisted me with my financial support. I was repeatedly informed that there was no need to start the process until the deferment period ended. ( The Loan is in my mothers name XXXX XXXX I am the POA have been for over 15 years ) I asked repeatedly if they were part of the California mortgage relief funding program I was lied to and was told yes. After the program was finally available in California I applied to my horrible surprise I was informed that I would not be able to receive help because PHH is not part of the program. 

Due to their on going deception I have lost valuable time to seek assistance to maintain my home. 

I have been a emotional wreck since the XXXX of my son which they are well aware of due to the fact I was asked to submit a statement. 
Why would PHH lie. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX Bank Credit Cards XXXX Experian XXXX XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
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 and 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.

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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E F
ALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : 49 Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Product: Consumer Loan

This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. 
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

They claim I owe XXXX and have not show any proof of original sign contract. U.s. department of education located in Tennessee.
Product: Credit card

Please, see details and exhibits on the my own site XXXX XXXX XXXX XXXXXXXX This is report : I have been a loyal GM Mastercard user for ~20 years. During this period, several banks was card providers, and currently this is Marcus from Goldman Sachs. On XX/XX/XXXX, I received a promo-offer from Marcus - spend {$200.00} on restaurants and other activities during XXXX and receive a {$50.00} reward, see screenshot of the offer. 

Believing the promises, I took advantage of the offer and made several purchases at restaurants in the amount of {$200.00} during XX/XX/XXXX. Look at the transaction history screenshot from Marcus. You see several restaurant purchases, and ( oh surprise ) - the last purchase for {$50.00} is marked as made on XX/XX/XXXX! 

Although the scan of the cash receipt from XXXX clearly shows that the purchase was made on XX/XX/XXXX. Thus, we see that Marcus decided to cheat and avoid paying {$50.00} by falsifying the date of the last transaction, changing it from XX/XX/XXXX to XX/XX/XXXX, and thereby avoiding payment. 

I contacted the support chat, but the GS representative XXXX refused to adjust the date of the transaction, or credit the account for {$50.00} to compensate for the lost money, see the copy of the chat. Thus, there is an attempt by GS to evade fulfillment of the promise, as well as a refusal to correct the " error '' in the process of direct negotiations. 

I am contacting you with the purpose of : Make GS admit its " error '', and still credit the promised {$50.00}, the conditions for receiving which were fulfilled by me. 
Due to the fact that GS has shown itself to be an unscrupulous financial institution with whom it is dangerous to do business, I want to terminate relations with it. Therefore, I ask you to force GS to pay me the accumulated rewards, ( as of XX/XX/XXXX - {$2600.00} ), by sending a check to my address, then I am planning to close the card, and stop relationship with GS.
Product: Mortgage

I had a problem with mistakes made on my escrow assessment for next year. After finding all the mistakes I contacted my mortgage company.in XXXX of XXXX.After talking to three different agents I was finallly able to resovlve the mistakes. 

I was told by the last agent that the corrections would be reflected on my XX/XX/2018 statement. The corrections were made but they didn't make the adjustment on my monthly payment. 

Most recently I talked to an agent on XXXX to inquire about not receiving my monthly statement. She informed me they would be in the mail by end of the week.I told her that was not sufficent time to make my payment which due XXXX XXXX. All she could say was she was sorry. I ask to talk to her supervisor. She informed me he would have to call me back in an hour. I neverreceived a cal until five hours later. 

After explaning everything to the supervisor he said he had to get with the escrow people and would call me back XXXX XXXX. After waiting all day I did not receieve a retyrn call On Monday XXXX I calledmy mortgage company again. After waiting for a half hour I finally was connected with an agent. After asking him why the supervisor didn't call me he informed me they were very busy. I asked to talk to his supervisor and he said there wasn't one on duty. 

I asked the same agent if they were going to extend my grace period because I hadn't receieved my statement yet. He informed me I did receieve oline. I told him I did not sign up for paperless billing. He once again told me I did receieve my staement online. I once again told him it was not proper because I didn't sign up for paperless billing. 

Eventually the agent hung up on me. I have not received a return call from the supervisor and still haven't received my monthly statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I write XXXX and XXXX and asked for any closed accounts to be removed from my account and they still appear. I want any closed accounts removed from my account for employment purposes
Product: Credit reporting or other personal consumer reports

There is a Fraudulent Account on my credit report with BMW Financial Services