23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I checked my XXXX  credit report. Capital One reports on the XXXX of each month. On XX/XX/2018, Capital One reported my balance as {$1900.00} when it was actually {$1700.00}. The {$1700.00} was reported to the other bureaus. When I spoke to a representitive on XX/XX/18, she told me that they had to dispute it with XXXX. Under the Fair Credit Reporting Act they shorted me {$230.00} on my payment to XXXX. She told me it could take up to XXXX days for it report correctly. The representative kept asking the same questions over and over. She had to put me on hold several to see if the problem could even be fixed and what she had to do. I can't be the first person she's spoken to about an incorrect amount reported to a credit bureau.This is ridiculous. All Capital One has to do is electronically submit the right amount of {$1700.00} for the same date of XX/XX/2018. Companies do it all the time if they make a mistake. Why would a credit card company dispute what they reported incorrectly. I want it fixed immediately. I as a consumer have the right to have my correct balance reported each month. Now I'm going to have to call XXXX  every month to see what Capital One is reporting. I have been a customer of Capital One for over 11 years, and I am very disappointed in the way they are handling my complaint.I find it very unprofessional. Capital One is fully aware of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I filed my federal and state taxes through efile on the credit karma app on XXXX XXXX. They said the submitted them. However both agencies, ( irs, ftb ) claim they did not submit them because if they had, I would be able to see status after 24 hours. They still have not submitted them and will not talk to me. I might have just given my info to criminals.This is an urgent matter
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I received an alert from XXXX stating a lending Lendmark Financial pull my credit report and added a hard inquiry. on XX/XX/year> I reached out to Lendmark and was advised that this information is incorrect, and we have no customer by the name of XXXX XXXX that file for a loan on XX/XX/year>. I put in a dispute with XXXX and in XXXX they stated that the hard inquiry was correct. Which the information is not correct. the did not investigate the request XXXX just advised it was accurate without any proof and refuse to remove the inquiry from my credit report.
Product: Checking or savings account

I went into the branch near by my employer to withdraw {$40.00}. The teller informed me I didn't have enough funds available. I spoke with XXXX XXXX, who had informed me that I somehow had been enrolled in their " Debit Card Advance '' program, meaning even if I do not have the funds to cover my transactions, the bank will cover the charges for me and charge me a {$35.00} fee each time. I thought this was odd considering I experienced a huge problem with this program in the past and was certain not to be enrolled, but I kindly asked Mrs. XXXX to un-enroll me from that option, she stated she had. Just a couple days later ( only 24 hours after my employment direct deposit was made in the total amount of {$950.00} ), my card was declined at a local grocery store. I attempted to check my account via my TD Bank Mobile App and I received an error of " too many login attempts, try again later ''. This was strange, I use " face recognition '' to login. I was unable to view my transactions all weekend. I called the number on my card and was on hold to speak to a rep for over 114 minutes each 21 times I called. The following Monday I went into the XXXX branch yet again and spoke with Mrs. XXXX yet again, and she had informed me that I was again, enrolled in the " Debit Card Advance '' program ... ... AGAIN! She un-enrolled me and informed me there was nothing they could do regarding the fees acquired and recommended I contact the number on the back of my card. I did and they refused. Still unable to view transactions I asked the rep how much the fees totaled, he replied : {$230.00}. It wasn't until yesterday ( XX/XX/10 ) when I was finally able to log on to the mobile app did I see the actual amount of fee 's I was charged for. In a 7 day period I was charged {$930.00} in overdraft fees!!! I have spoken to the reps inside the branch itself and via " XXXX '' number, including supervisors. They all refuse to credit me back the obscene amount of fees they CONTINUE to charge me. I have captured screen shots and statements of everything!
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my Gemini account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Our original XXXX mortgage was sold by XXXX to XXXX XXXX  in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL XXXX SOLD TO XXXX XXXX XXXX in XXXX.
Product: Credit card or prepaid card

Discover Bank Inquiry from XXXX XXXX, 2017 DID NOT APPLY FOR THIS CARD
Product: Mortgage

I am having a very difficult time with my new servicer Rushmore. I was transferred last month from XXXX Mortgage to Rushmore. I was told by XXXX Mortgage I was unable to receive a modification after falling behind from COVID. I am XXXX Vet and lost income. I reached out to XXXX last week to confirm they have my mortgage and they stated they do and I do not have a sale date on my property. For the past XXXX weeks I have been getting my property ready to go up for sale so I can avoid a foreclosure and resolve my debts. Now this week I have been told I do have a sale date. Out of now where I have a sale date of XX/XX/22.
Product: Debt collection

To XXXX XXXX XXXX XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
Product: Credit card or prepaid card

Dear COMENITYBANK/VICTORIASSECRET ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 during the time i was XXXXXXXX XXXX XXXXXXXX. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXXXXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : The following hard inquiries listed on my Experian, XXXX and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I tried to unfreeze my credit to lease a car. I was unable to get into my account with my user name and the 10 digit pin I had. The last time I had unfrozen my account was in XXXX. I tried forget password and user name and both were unsuccessful as was the alternate way of identifying myself. 

I tried to reach customer service on the number supplied on their website and it was automated. When I asked for Customer Service they said none was available. I also tried calling several other Experian phone numbers with the same results. I did this for three days assuming they were having issues and never was able to speak with anyone. 

The car deal was going to expire this week so I didn't have time nor should I have to write a letter to unfreeze my account which I originally did online. 

I checked with other people I know who had their accounts frozen and like me did it 5+ years ago and they also could not get in. It appears that Experian changed their login user names and stopped using pins and did not notify anyone nor did they allow you to use an alternate way of logging in or display a message at login time telling you to create a new account. 

I ultimately tried creating a new an account and it correctly brought up my personal information and allowed me to temporarily unfreeze the account. Why weren't we notified if old accounts were activated and that we had to create new ones? 

I was trying to do the responsible thing by freezing my credit. It is unacceptable for the company that controls our credit does not have a reachable customer service team. 
People getting apartments, jobs or lines of credit could lose out if they can't quickly unfreeze their credit. 

While I was ultimately able to figure this out on my own and get into my account, it was a very stressful three days and I know other people are in the same situation. Experian needs to take responsibility and make customer service available to people who can not access their accounts especially when they caused the problem.
Product: Debt collection

On XX/XX/XXXX, I checked the XXXX XXXXXXXX XXXX for my name. A debt attempting to be collected by XXXX XXXX is on the XXXX XXXX. I have no idea who this company is nor the debt they are allegeding that I owe them. XXXX XXXX has never notified me of this alleged debt as required by federal law. 

XXXX XXXX XXXX, it entered XX/XX/XXXX for {$170.00}. 

Per the XXXX XXXXXXXX XXXX, " to assure due process, setoff statutes require that the debtor be given the opportunity to appeal the validity of the debt. The debtor initially has the right to appeal the debt amount within 15 days from the date of the notice of intent letter. If an appeal is received within 15 days, further XXXX  procedures are delayed until the dispute is resolved. If the XXXX XXXX receives an appeal request from the debtor, the XXXX XXXX will acknowledge the debtor and will notify the creditor agency and request that the creditor agency and debtor try to resolve the dispute. If the dispute can not be resolved, the matter is scheduled for a formal hearing. '' The XXXX XXXXXXXX program nor the collection agency never sent me at any form of written communication regarding this debt, including a " notice of intent '' letter. 

This collection agency and the XXXX XXXX program are in violation of federal laws and their own ordinances.
Product: Checking or savings account

My PayPal Mastercard Branded debit card was stolen and used without my permission to make unauthorized transactions. I contacted PayPal support and filed a claim and they denied my claim without any examination. They I looked at the Debit Card User Agreement and it clearly says that I am protected against fraudulent use or unauthorized transactions on my Mastercard branded Debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit card

XX/XX/XXXX was send a email from Apple Card ( Goldman Sacks ) if I opened a card and charged {$1500.00} in the first 60 days they would give me {$300.00}. cash back. I complied with the offer, charged an amount in excess of the {$1500.00} and still have not received the {$300.00} cash back, even after making three separate inquiry calls on XXXX, XX/XX/XXXX and XX/XX/XXXX. Their customer service states I have complied with the offer requirements, but further review is still required.
Product: Checking or savings account

On XXXX22 we were victims of a scam, they used our Suncoast credit union account to cash over {$5000.00} in checks and the credit union is holding us responsible. Even though when we were contacted by the thieves, we called and verified that they were affiliated with Suncoast credit union and they had recommended us for the credit building services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Om XX/XX/XXXX mailed a to Equifax XXXX and XXXX regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, District of Columbia XXXX Previous address : XXXXXXXX XXXX XXXX XXXX  XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below : XXXX  XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately.

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX 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 Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Back in XX/XX/XXXX my credit card account was closed by XXXX XXXX XXXX and given to Messerli & Kramer, P.A which is a debt collection agency and not a law firm which they have always started when ever they called me. 
Messerli and Kramer started making collection calls as early as XXXX and back to back phone calls. 
I was threaten by Messerli & Kramer, P.A after I asked them to stop calling me but they still kept on calling me and threatened me with garnishment, levy my bank accounts, and even sent letters to my current employer informing them of the debt which they claim that they have the right to do. 
I originally dispute the debt with Messerli and Kramer but I got nothing in the mail concerning my disputes and to my surprised they fraudulent went and sued me simply because I disputed the debt amount. 
On XX/XX/XXXX at XXXX I did received a phone call from XXXX XXXX XXXX apologizing about Messerli and Kramer violation of the fair debt collection practice cause I did filed a complaint with XXXX XXXX. 
I did filed a complaint with Minnesota attorney general office as well but the office have limited power and back in XX/XX/XXXX Messerli & Kramer was sued by the state of Minnesota Attorney general office for the same harassment static. 
As of XX/XX/XXXX there's a lots of lawsuits that was won against Messerli & Kramer for the said violation and there are some on going lawsuits in the state of Wisconsin circuit court in the city of XXXX, case # XXXX. This collection agency have try to avoid been fair by garnishing consumers paychecks without properly notify them of their rights or validating debts. They're quick to sued and my wife was a Victim of there fraudulent suing. please stop this company from violating the fair debt act.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTCHED! EXPERIAN HAS VIOLATED MY RIGHTS AS A CONSUMER BY FURNISHING AND REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORTS. THE INACCURATE INFORMATION HAS BEEN DELETED BUT EXPERIAN HAS YET TO PROVIDE ME WITH MONETARY RELIEF. DELETION IS PROOF THAT THE COMPANY REPORTED/ FURNISHED INACCURTAE INFORMATION. I'M EXERCISING MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER TO REQUEST MONETARY RELIEF IN THE AMOUNT OF {$31000.00} FOR ALL VIOLATIONS OF THE FCRA AS WELL AS DAMAGES CAUSED TO ME FROM EXPERIAN AND THERE INACCURATE REPORTING/ INVESTIGATING PROCEDURES.
Product: Debt collection

XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.
Product: Mortgage

Freedom Mortgage bought our loan from some other lender, why don't we get a say in this? 
But the real problem comes with our tax escrow check being held while we are exempt from property taxes. In XX/XX/XXXX of this year we finalized our XXXX XXXX XXXX veterans exemption with our county assessor. In Illinois I am exempt from property taxes. Freedom Mortgage paid the taxes to our county and the county refunded the funds back to them in XX/XX/XXXX, it is almost XX/XX/XXXX now and they are still holding our check! My wife has made approximately 20 phone calls with no real results. She eventually got the " privilege '' of speaking with a manager,  who basically lied to her stated that he/she was going to take care of this and now he/she will no longer respond to our calls! Why would they need to hold my money for over two months? 
This is XXXX XXXX and i have been a XXXX Veteran for more than a decade. I have alot of time on my hands and I will copy and post this complaint to every website out there until I get MY MONEY back. 
Freedom Mortgage, you know how my address, I will be checking the mailbox ... ... ..
Product: Vehicle loan or lease

In the latter part o f XX/XX/XXXX , I w ent to  XXXX   XXXX  in  XXXX  NJ to purchase a  XXXX   XXXX   XXXX   XXXX . I went with very good credit and an excellent job. Yet despite these factors, I was granted a subprime loan b y Capital one at a rate of 12 %.  It had always puzzled me as to why I was directed to them and given a high-interest bracket loan when I had very good credit and a stable job. In addition, in   XX/XX/XXXX I had  paid off a previous auto loan for a used  XXXX   XXXX   XXXX  ( purchased in  XX/XX/XXXX  )  to  Capital One. I strongly feel as an   XXXX   XXXX   woman I was deliberately targeted and steered towards a subprime loan si mply because of my race. Capital  One  and the auto dealership colluded to give me a base car with a padded high-interest rate to their benefit. Capital  One  took advantage of a good credit worthy customer by issuing me hiked up loan. This loan caused my financial life to collapse. A domino effect began. I struggled to keep up the payments and was able to do so until my employment ended in  XX/XX/XXXX . In   XX/XX/XXXX  Capital One  modified the loan and lowered it a mere  1.25 % and stretched it out 3 additional years which is still p redatory in nature. Here it i s  XX/XX/XXXX  and I am  still paying for this car. I have asked them to close up or end the terms considering that I was scammed ; however, they refuse. I do n't have the credit worthiness at this point to do anything else with my finances. I am literally in bondage to this loan and it has hurt my family and my ability to maintain other areas of my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$4300.00} DPT ED XXXX XXXX {$3500.00} DPT ED XXXX XXXX {$150.00} DPT ED XXXX XXXX {$700.00} XXXX  XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

I do not have an account or any knowledge of XXXX XXXX XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. 

I do not have an agreement or contract with this company, and am at will to sue. '
Product: Debt collection

This complaint is a continuation of the current open complaint XXXX. After filing complaint XXXX, Fortiva falsely reported to credit bureau that my account is over 30 days past due. This is a clear violation of the FCRA. I have only been contracted with Fortiva for 9 weeks. My first INCORRECT payment per original complaint was auto debited by Fortiva, from my bank account on XX/XX/23. My second payment due date was XX/XX/23. Fortiva falsely reported that my account is over 30 days late on XX/XX/23, causing a XXXX point score drop on my credit report. I spoke with Fortiva representative on XX/XX/23 at XXXX, she stated she could only note my account, she could not make changes. She stated that her call was to address missed payment due on XX/XX/23. I advised her that I would be filing suit against the company for reporting false information to the credit bureaus