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

I was approved for a Capital One secured card on XX/XX/XXXX. I paid {$850.00} for the card, which cleared my account on XX/XX/XXXX. I received an email saying that my card had shipped on XX/XX/XXXX. I dont get mail to my physical address, but when I made my account to order the card, they would not accept my XXXX XXXX XXXX I never received the card. I called on XX/XX/XXXX to order a replacement card to my XXXX XXXX XXXX I used my work phone number to create my account, and the representative told me they could not call that number for two-factor authentication so I would need to upload my drivers license to a site to verify. I uploaded pictures of the front and back of my drivers license and they told me it would take up to XXXX business days. I never heard back from them. I called again on XX/XX/XXXX and they said the picture of my license did not meet their quality standards and I would have to upload it again. I uploaded scanned pictures of my license while on the phone with the representative. I never heard back. On XX/XX/XXXX I went to a Capital One Cafe in XXXX XXXX XXXXXXXX and spoke with a representative, and she took pictures of my drivers license in person and we spoke with a representative who had me upload it again and said I still needed further documentation. I still have not heard anything about what documentation, and I have not received my card.
Product: Checking or savings account

Today, XX/XX/2019, two unauthorized withdrawals from my Savings account left me with a XXXX dollar balance. BANK OF AMERICAI would hope XXXX and XXXX  XXXX XXXX   accounts, in XX/XX/XXXX, withdrew my interest of XXXX And XXXX cents for I believe a test. Today both withdrawals were done. 

In the past I have had many issues of scams with Bank of America on checking accounts, now my Savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX - XXXX - XXXX  I XXXX XXXX XXXX filed a complaint with you guys the CFPB about incorrect information on all three of my credit reports. I submitted documents showing numerous violations that are being reported and accounts that are duplicates. There are also accounts being reported by two different companies that are the same accounts. I have contacted these companies XXXX, XXXX, and Equifax about the situation, and have been ignored. Knowing you guys ( The CFPB ) are over these credit bureaus, I would like to know why you guys are and enforcing the Laws that were put in affect by the Federal Government? Under 15 USC 1681n ( a ) ( 1 ) ( A ) The law states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I have sent numerous documents and pictures showing the violations and inaccuracies stated on my report. After calling numerous times and sending certified letters to these bureaus, Nothing has been done to correct the action or reimburse me for the damages caused by these bureaus. i have been denied credit, home mortgages, and car loan due to my credit. I request that the CFPB holds these credit bureaus accountable for their misleading actions against me. I have had to pay a higher interest rate on my credit cards as well. As a XXXX veteran I have yet been unable to purchase a home for my wife and my XXXX son. All I ask if for you guys to do the right thing and for me to be treated fairly as a consumer. I have proceeded to contact my State Representative and my State Senator on this matter. On XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX called the CFPB to disguise the situation i am facing with these credit bureaus, and the lady that I personally talked to told me there was nothing they could do for me and my situation because i was just XXXX consumer? She stated there has to be more than one consumer in order to show a pattern before the CFPB will get involved. In other word as an individual consumer my problems means nothing to the CFPB. I was astonished by the words this woman said to me. I hope this is not the way the CFPB protects its consumers. As a consumer I have the right under federal and state law to be protected from such companies as these credit agencies. I will continue to proceed with letters to my representatives and toward litigation if nothing is done about my situation. All i ask is to be treated fairly like all consumers should be. Thanks again for your time and i hoope to hear back from you guys about my situation.
Product: Mortgage

We submitted a file for a loan modification. We did another usual follow up call on XXXX where Phh confirmed the documents were being reviewed. Per rep XXXXid XXXX, she stated the file is under review as of on XX/XX/XXXX. She also stated on XX/XX/XXXX, the application was marked as complete and marked for final review and with underwriting.On XXXX, a letter was mailed out, please see attached. The letter stated that the application was receivedand being reviewed. It stated that they will determine if the application is deemed complete. But per our conversation with the lender PHH they had already stated that the same date the letter was sent out the file was indeedmarked complete and in final review. The rep stated the notes were placed after the letter was sent out deeming the file complete and with underwriting. 
We called back to phh for a status update and they advised that the file was denied and no longer review due to a sale date. How can they have a complete file, advise us the file is complete and with underwriting for final review and then backtrack. That is dual tracking which is illegal.Dual tracking is When a lender pursues foreclosure while simultaneously working with the borrower to mitigate the foreclosure. Dual tracking occurs when a lender receives a loss mitigation application from a defaulting borrower, but proceeds with both foreclosure and loss mitigation options.Per the consumer financial protection bureau it states the following-Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. 
XXXX XXXX is XXXX XXXX XXXX and has XXXX. I am her daughter and have power of attorney for her which PHH has. This is criminal and XXXX  abuse what they are doing. We are demanding that the file contine to move forward with the review like they previously stated. There is no reason for this to be happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over XXXX  disputes to XXXX, XXXX & Experian about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost XXXX  months later so how was that verified. XXXX removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to XXXX and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. XXXX and XXXX have also deleted the account that was opened XX/XX/XXXX but remains on Experian. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my Experian account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 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 : states a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. 

Accounts in XXXX : XXXX. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX XXXX. XXXX XXXX Reported Balance : {$1300.00} Account number : XXXX
Product: Money transfer, virtual currency, or money service

We are an investment company. We sold XXXX of our XXXX businesses with a closing date of XX/XX/. XXXX wire transfers were transferred from the buyer 's escrow agent. The wire to our company was put on hold by BoA. The other XXXX wires went through without issue ( XXXX of which went to other BoA accounts ). 

Thursday morning XXXX  I tried to wire money from our account to our investors. I could not. When I called BoA, they told me to go to a branch. The business XXXX at the bank tried to wire money from our account and could not. She called the BoA wire department and found out the wire for the sales proceeds was put on hold. Later that day ( XX/XX/ ) I tried to send a small wire from funds that were in our account before the transaction wire. BoA denied access to our account completely. 

As of XXXX we do not have our funds and we do not have access to our account. I called various departments at BoA and received no information and no date when our funds would be available. 

The wire was for a significant amount and our investors are losing a significant amount of interest.
Product: Credit card

Navy Federal Credit union received credit disputes from me. Processed them late, and provided even later merchant responses. Now threatening to reapply charges unless I respond. I have responded after late receipt of their letters to me. See attached message to them addressing XXXX claims.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report, as I am a victim of identity theft. This request is made pursuant to the protections provided under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The following accounts are fraudulent and should be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Product: Credit card

On XX/XX/XXXX I applied for a Capital One Savor credit card which was listed on the XXXX web site with a {$200.00} cash back after you spend {$500.00} on purchases within 3 months after account opening. I spent {$670.00} the first statement and have continued to spend and pay the account balance off each month. I called on XX/XX/XXXX to see why no {$200.00} bonus cash back has been applied. XXXX said she would have to start a case to get a manager to determine why the bonus hasn't been applied. Today XX/XX/XXXX I received a call from XXXX saying that I can't receive the cash back bonus because I wasn't approved for the correct type of card. He appeared to be saying that my credit rating was not high enough to get the correct card. This was news to me as the creditwise section of the capital one app says my credit score is XXXX. He also said that Capital One has this type of issue with the XXXX XXXX site advertising bonuses that are not actually available. So he implied this was XXXX 's problem. I asked him to close the account since the bonus was the deciding factor between this card and several others. He closed the account today XX/XX/XXXX. From searching online I see there is a class action lawsuit open in California in regard to this card and Capital One failing to pay the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint dispute on XX/XX/22 for a bankruptcy that does not belong to me, that is showing on my credit report. On XX/XX/22 you responded back thru the CFPB portal, that you conducted an reinvestigation and that XXXX XXXX XXXX XXXX AS REPORTED. I have contacted the public record vendor which and asked them to verify the accuracy of the information with which you disagree. I contacted XXXX and they sent me a letter and a report showing that they could not verify that this bankruptcy belong to me and that they removed it from their files. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for the LAST time for Transunion to remove the bankruptcy that does not belong to me off my credit report within 15 days and all fraudulent tradelines showing on my report that list that they are under bankruptcy. As I am a litigious consumer, I trust that Transunion will correct the issues I have brought to their attention to remove expeditiously. Let me clarify what I am asking to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report.
Product: Student loan

Navient is my loan holder of which I am disputing the principle and interest allocations of my payments for account XXXX DL Consolidated Unsubsidized loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

Barclays Bank of Delaware mistakenly claims that I requested online statements in lieu of paper statements. Lacking a paper statement, two payments were missed in XXXX and XXXX, XXXX. Barclays error has led to a massive reduction in my FICO score from XXXX to XXXX, which will impact my ability to borrow and the cost of any future borrowings. The account was opened in XXXX  and until Barclays ' error, had years of a perfect payment history. 

I have pursued this matter directly through Barclays who is unwilling to accept my explanation. Despite this, Barclays has been unwilling or unable to support their claim that I personally requested online billing as opposed to paper. The most likely explanation is an internal error at Barclays led to coding my account as preferring to receive online as opposed to paper statements. 

I have also pursued this matter directly through XXXX, XXXX and XXXX. Their automated complaint system is not sophisticated enough to address my complaint properly and my complaint to each resulted in no change to my record. 

Barclays error has unfairly harmed me and my outstanding credit record. I would be grateful for any help you can provide. Thank you. 

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

Account name : XXXX XXXX XXXXXXXX CARD Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Closed. {$450.00} written off. 

Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Debt collection

I 've received notice and calls from Diversified Consultants in regards to an alleged debt owed of {$950.00}. I sent a dispute letter for validation to them a couple of months ago and have received no response.
Product: Checking or savings account

On XX/XX/year>, I attempted to contact XXXX  regarding an issue with my Health Savings Account ( HSA ). My employer, XXXX XXXX, switched their negotiated HSA accounts from XXXX XXXX  to UMB Bank, XXXX, doing business as Elevate, as part of the Gusto benefits processor transition, which took effect starting in 2025. 

I was laid off at the end of XX/XX/year> and was unable to access my XXXX  HSA funds until I received my debit card, which did not arrive until late XXXX. However, before I had access, XXXX charged me a {$3.00} account fee. 

Since I had no way to withdraw my funds prior to receiving my debit card, I contacted XXXX  to request a refund of this fee and to have the amount applied toward a valid reimbursement I submitted for my healthcare premium during my unemployment, which is an eligible HSA expense. 

On XX/XX/year>, I called XXXX 's customer support number ( XXXX ) twice, but both times, I was directed via an automated recording to email my request instead. There appears to be no way to contact an XXXX representative via phone. 

Following their instructions, I sent an email to XXXX outlining my concerns. Additionally, I attempted to call the phone number listed in the XXXX Agreement within my online banking portal ( XXXX ), but the XXXX agent who answered stated that my XXXX  HSA debit card number was not valid for accounts able to be serviced through that number and was unable to assist me. 

At this time, I have not received any resolution from XXXX. The company failed to provide a way to access my HSA funds before charging an account fee, and their customer service has been unresponsive and ineffective in addressing my concerns.
Product: Credit card or prepaid card

I took advantage of a citi flex loan offer from my credit card. I spoke to a representative at Citi who was helping me with the loan. I was concerned with the card reporting a maxed out which would negatively affect my score. The representative reassured me multiple times that it would not show on the credit bureau and she even checked with a supervisor. When I went to refinance my home, I learned the card was shown as nearly maxed out and it had dropped my score 30 points. I called Citi to see if I could get a credit limit increase instead of having to pay off the whole card. Multiple representatives informed me I was ineligible for a limit increase to decrease the utilization of the card. In summary, the citi representative I first spoke to lied to me in order to make the sale. Then, the bank would not help me out to increase my limit to lessen the impact the card has made on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have been sending letters to reinvestigate my credit report and XXXX XXXX # XXXX keeps coming back verified and accurate but how can that be if nothing has changed on it. My consumers rights are being violated. According to the FCRA everything has to be accurate and it is. Nothing is accurate on this account. Everything has to be the same on all 3 credits bureaus. there is no fairness or accuracy when it comes to my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to XXXX, XXXX and Equifax letting them know that a creditor XXXX is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, XXXX, Equifax, and XXXX are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : COMENITY BANK/VCTRXXXX XXXX XXXX Secrets Reported : XX/XX/XXXX COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX COMENITY BANK/LNBRYANT Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Product: Debt collection

Not only have I been receiving calls from this collector using tactics such as fake businesses ( XXXX  business services ) but they've tracked me down at my place of work and called the general number to be routed to my office. I've already requested no phone contact. They've also failed to provide a Debt Validation.  Thank you