23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX at approximately XXXX XXXX Pacific I attempted to make a deposit for an online betting services called XXXX XXXX using my Capital One Venture credit card ending in XXXX. It was declined by Capital One twice. I then called Capital One and was connected with their fraud department. I was informed that the two charges were flagged by their computer as suspicious. After supplying my name, DOB, and Social Security number, I was then required to receive a text message with a numerical code and repeat it over the phone, which I did. The Fraud Representative then reviewed the charges their computer flagged as questionable, which I did, and confirmed that they were valid despite the fact the representative misstated the time they had been tried ( for XXXX XXXX that XXXX?!?!? ). She informed me that she had cleared the blocked charges and it was OK to resubmit my purchase/deposit with XXXX XXXX. I went ahead and did so, and the Capital One computer decided instead of approving the charges to freeze my account and declare it compromised. She never informed me that this site was considered suspicious by their computer algorithm and that No charges would ever be approved for that site, nor that there was a risk that my card would be frozen. I explained to her that this was terribly inconvenient and would incur substantial loss of time and possible financial penalties as I have several recurring payments set up that would take me a great deal of time and trouble to replicate, especially as some of them may be due in the next few days. She insisted that they would have to send me a new card. I said this was not OK, and she just kept repeating herself. I politely asked to speak with a supervisor and/or explore other options, and she said there was no other option, and that there was no supervisor available to speak with me because it was the weekend. I insisted that she explore alternative options which after several go arounds she agreed to do. She put me on hold, and then the line went dead.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction
Product: Checking or savings account

I deposited {$300.00} cash into a vacation club savings account at M & T Bank branch in XXXX NJ. The deposit never went into my account. A copy of the receipt from the teller was emailed to their customer service rep and I have had conversations with the branch manager, XXXX. They have been in contact with their back office and to date my account has not been credited. On XX/XX/2018 XXXX stated sometimes this can take a week or more even if it was a cash deposit that did not post to the account. He said they can only contact the department that makes corrections by email and their is no senior management person he can call to inquire as to why this is taking so long. 

I want to close the account now as I am so frustrated with all the errors M & T has been making on other accounts as well that we have been having. Those issues have been finally resolved and this remains open. 

While I know this issue will get resolved eventually, it is mind boggling that cash ( and this could just as easily have been {$3000.00} in cash I would not have access to ) deposits go missing and the customer has to wait for days for a simple correction to the account that is clearly the bank 's error. What is the point of getting the receipt for a cash deposit. It is further distressing that if I had not checked on line that the balance was wrong, M & T Bank did not flag an error from a deposit made on XX/XX/2018. Had I had balanced our accounts as I do monthly, my husband and I, who are both over XXXX years old and have health issues would never have seen this money again. I have spent hours on the phone with M & T Bank, including their corporate offices in XXXX. What do people do who do not have the resolve to do this. How many other cash deposits may M & T posted into a black hole never to deposit correctly. This is the bank that had money laundering issues and could not complete the purchase of XXXX XXXX XXXX Bank in NJ ( who was a great bank ) for over three years because of the money laundering issues.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report for companies i didnot apply too i made attempts to have removed through the credit beareau and the companies and the issues have not been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct.  # XXXX is reporting incorrectly and a duplicate account. This continuous and ongoing violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Product: Credit card or prepaid card

Getting ready to upload 4 page cover letter providing detail of transaction where merchandise was never delivered/installed and communication with XXXX aka Elan was ignored. Elan Dispute personnel claim " XXXX XXXX '' denied dispute iao {$1900.00} for purchase of gazebo XXXXXXXX XXXX  XXXX which was never delivered/provided to cardholder. Also submitting 8 pages of documents further evidencing failed transaction. Dispute process at Elan does not adequately investigate dispute and fails to protect cardholder rights!
Product: Debt collection

I told Account Resolution Corp to remove me from their call list but they refused despite me telling them they are required to if I request such.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquires these inquiries involve identify theft and must be removed no later then XXXX business days as per 15 u.s code 1681 c-2 iam a victim of data breaches exposed by XXXX breaches. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with XXXX, XXXX, Equifax, & through the CFPB. XXXX XXXX has XX/XX/22 Account XXXX {$16000.00} reported to XXXX & on Equifax report is {$16000.00}. This is a direct violation under the FCRA and XXXX invoking my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on Equifax and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Product: Vehicle loan or lease

Credit acceptance corporation fraudulently misrepresented the loan that was allegedly financed by the company as a loan to the Buyer when in-fact it was a loan to the Dealership that they have employed unfair and deceptive practices to get the Buyer to pay the Dealership Loan through collections. Credit Acceptance corporation knows that it is a Lender to the Dealership but would have the Buyer believe it weren't so. The alleged amount financed is not True statement under Truth in Lending but rather they only pay 43 % of the alleged amount financed to maximize economic profits. The reason Credit Acceptance Corporation does this is because they only expect to collect 64 % of the alleged amount financed which is nothing more than the loan that they made to the Dealership for the rights to service the contracts.
Product: Checking or savings account

Capital One has been withholding paychecks since Wednesday and providing no answer on when they will be released. With Monday being a holiday this means there is 6 days we are going without our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We made timely electronic payments through XXXX XXXX Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points.

We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX  and Transunion a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
Product: Bank account or service

I have been a victim of identity theft, I have never opened these XXXX accounts. Already spoke with creditor who are aware and will be removing
Product: Debt collection

My mortgage was recently transferred to Shellpoint Mortgage Servicing. I was given the phone number ( XXXX ) XXXX. When I try calling them, the greeting " All calls will be recorded '' is played, then the call disconnects. This has been going on for several months. I 'm also unable to create an online account. I need to discuss this and other issues with them. I 've been making my payments via USPS XXXX so I have proof of delivery, but this should not be necessary. It need the means to communicate with this company.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX XXXX upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX XXXX. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

AccountName : XXXX XXXX Account Number : XXXX Balance : {$0.00} AccountName : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} AccountName : XXXX Account Number : XXXX Balance : {$14000.00} *** KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and a recent data breach. I have discovered unauthorized accounts and inquiries listed on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete all information related to the fraudulent accounts and inquiries as outlined below. 
Fraudulent Account : Creditor : XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had lost my wallet around the time the loan was taken out which was XXXX the loan was taken out I lost it the previous week the birthday on the account not right and I know my social security card was in there and I had to get everything replaced I never received any payment from cash net usa I dont bank with XXXX XXXX I bank with XXXX XXXX  for the amount of {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXXXXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Debt collection

I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
Product: Credit reporting or other personal consumer reports

Collection Account from XXXX XXXX XXXX. should not appear on my credit report as the account was paid in full directly to the original company XXXX XXXX XXXX. 

Payment made directly to XXXX XXXX XX/XX/XXXX in the amount of {$2700.00}. Please see enclosed bank statement, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming account.
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX Name : XXXX Reported Balance : {$370.00} Date XXXX XXXX Name : XXXX XXXX  XXXX Reported Balance : {$570.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : XXXX Date XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date XXXX INCORRECT ADDRESS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX INQUIRIES LISTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2023, Citizens Bank changed the mailing address on my HELOC without my consent, as I missed a payment, they never called me once and continued to send statements ( and I'm assuming demand letters ) to the wrong address for 8 months letting me fall further delinquent. While the address change was small ( removing the XXXX XXXX  ) my town does not deliver mail, and thus no letters were received. 

My credit has suffered due to the delinquent history to the tune of approximately XXXX points. 

No one is available at the bank to answer my questions, have tried several times to reach out through customer service and i keep getting bounced around.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

All debt had been paid by my insurance company, I already check it with my insurance company.
Product: Vehicle loan or lease

I, am that I am, the consumer in fact, natural person, original creditor, lender, executer, administrator, holder in due course for any and all derivatives thereof for the surname/given XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all matters proceeding, and herby claim that I will d/b/a XXXX XXXXXXXX XXXX  XXXX, and autograph as the agent, attorney in fact, so be it. 

Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following fact, so be it, now present. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX  XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) ( c ) This transaction includes a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss and or property damage. 
XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge, instead they requested an insurance policy to satisfy the requirements for the use of the credit extension. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX XXXX XXXX in fact required a down payment and took cash in the amount of {$12000.00} dollars. The finance charge listed is not the total of all money paid for credit ; it excludes the interest paid over the life of the loan and all processing charges. The annual percentage rate is not the true rate of interest for money or credit available to the borrower. The annual percentage rate was not calculated using the total finance charge ( including all extra fees ). 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A, B & C XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provision of 15 U.S.C 1601. They are now civilly liable and criminally liable.
Product: Credit reporting

Hello I had inquiries removed from trans union and they were put back on making my credit score go down. They admit to a glitch in their system but yet continue to say I was n't affected by it. I asked to be transfered to special handling US department but was refused. The operator kept telling me they could n't transfer me. So then I proceeded to ask for direct number to special handling and was told they did n't have the number, after acknowledging they do have special handling. They refuse to give me any answers and then I was told the call was being terminated. I attempted calling 3 times today alone, I just want answer
Product: Credit card

On XX/XX/XXXX of this year, Chase support confirmed to me that they would grant me XXXX Ultimate Rewards points upon my completion of the minimum spend requirement. Excerpt from the Secure Message Center : " your account is eligible to receive XXXX bonus points after you spend {$4000.00} on purchases in the first three months from account opening. 

Also, our records show that you have not met the spending requirement yet. Once you meet the required spend, please allow up to eight weeks for the bonus points to be awarded. '' I noticed however that the progress tracker in the app said that I would only receive XXXX points, so I reached back out to support regarding this and received this reply, still stating that I would receive the XXXX points : " Hello XXXX, Thank you for contacting us. 

We're here to help with your inquiry about your recent request to match the New Account Bonus of your Chase Sapphire XXXX credit card to a new offer. 

XXXX, we'd like to inform you that the option to directly change your bonus offer isn't available yet. This is why it is still the offer visible for your account. 

We've set your account to automatically receive your additional bonus points within 6 to 8 weeks from the date you met the spend requirement. You don't have to do anything else. 

XXXX, we hope that we were able to provide clarification on this matter, and and appreciate you for choosing Chase for your credit needs. 
" When my account was only credited XXXX points, I reached back out to Chase to inquire why. They stated that I no longer qualified for the enhanced bonus- contrary to what I was told over a month prior. When I asked why I was mislead by their support, I was ignored. My requests to escalate this issue have also been seemingly ignored.
Product: Credit reporting or other personal consumer reports

These accounts listed in this complaint does not belong to me. The address information of these accounts does not match the information on my consumer report. Please delete and block these accounts from being reported on my consumer report.