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

On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer Banco Popular reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted Banco Popular on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from Banco Popular. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.
Product: Checking or savings account

XXXX XXXX froze my savings account without notifying me. I only discovered it after the ACH transfer for my rent was rejected, which caused me to incur a fee from my landlord. This is a widespread problem. Several customer service representatives said that XXXX XXXX is doing this to many accounts -- not just mine. 

The Fraud Department is unreachable. XXXX XXXX will not allow us to call the Fraud Department, and the Fraud Department does not respond to emails. They give several different explanations for the account freezes, including : ( 1 ) One representative claimed that they have a policy that all new accounts are frozen in the first 60 days, even though their account opening documents say no such thing. The opening documents only say that we can not CHANGE our one linked external account in the first 60 days -- they do not say that we can not withdraw money from our savings account, nor that we can not do ACH pulls from our account. ( 2 ) Another representative said that my linking of external accounts to the XXXX XXXX Savings account was the cause for the freeze, but XXXX XXXX didn't seem to mind that I used those linked accounts to DEPOSIT tens of thousands of dollars into my XXXX XXXX Savings account. They only flagged it for fraud when I later tried to access MY money by WITHDRAWING my rent payment. 

It is INEXCUSABLE that XXXX XXXX would freeze my account WITHOUT NOTIFYING ME. XXXX XXXX has my phone number, email address, and mailing address, but they never contacted me to tell me that my account was frozen. 

XXXX XXXX has seized our money, without justification, and will not release it.
Product: Checking or savings account

I have checking account with Bank of America, it is a payroll account. There is a XXXX Bank account holder who was debited my account of {$11000.00} by XXXX for a period of a year. I reported the transactions to BOA. I send hard copies by email to BOA. I press charges to the XXXX account holder. I sent the police to BOA. Until now the never refunded the money. Anytime I call, they something else. I have been in this situation since XXXX XXXX. Can somebody please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , a dispute letter to the Transunion credit reporting agency was sent to validate the accuracy of a bankruptcy and  XXXX  judgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court,  I was told by  XXXX  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /  XXXX   and Transunion received the dispute on  XXXX . On  XXXX , I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer report is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be deleted. My request to delete is not made in error nor is my request to delete and or block being made on the basis of material misrepresentation of the fact by me reverent to the request to block and delete the identified transactions. The identified transactions are not information related to any of my transactions made by me as the consumer.
Product: Debt collection

I have contacted this collection agency three times over the past 3 months to cease seeking payment for this debt. I sent them an identity theft report that states this account is not mine via certified mail. Instead of ceasing payment collection, the collection agency instead sent over a debt validation that does not provide a contract with my legal signature or identifying information. No contract was sent. They only provided typewritten invoices that DO NOT bear my legal signature on an actual contract.
Product: Debt collection

CAINE WEINER is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an open balance on my account from XXXX XXXX  In the amount of XXXX. This action was opened on XX/XX/2017. I have tried to set up payment arrangements at the time of original collection and it wasnt able to be done. My financial situation at the time would not allow a debt of this magnitude to be paid. The company has since sent the debt to a creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have made contact seeking the balance of vehicle after sold. I would like to have this debt removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax and XXXX that I was a victim of identity theft. Equifax and XXXX are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax and XXXX have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}
Product: Debt collection

I ordered a phone from XXXX on XX/XX/2016. The phone was financed through XXXX finance company COMENITY BANK. 
The phone never arrived. XXXX was the shipper. They declared it a total loss. Fully insured by shipper, XXXX was paid IN FULL. My order was cancelled for a phone. I have been called by COMENITY BANK for payment on this phone & shipping Charges. I have explained this to them on every call. I have called XXXX about this. I have an email from XXXX assuring me a credit has been issued. Still COMENITY BANK calls for payment.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I belive stem from identity theft. Pursuant to U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identitytheft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputedinformation identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent INQUIRIESfrom my credit report. 

Inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I want to apply for mortgage forbearance due to unemployment from COVID-19. The company SunTrust allows forbearance but a lump sum payment is due at the end of the forbearance period. This is silly, If I had the $ to pay a lump sum I would just continue to make payments. Where is an unemployed worker suppose to get a lump sum? Unemployment benefits are significantly delayed and are only a fraction of my normal payroll. 

This is predatory lending because they say we will see if you qualify for a re-finance afterwords. Really, another loan application with all the closing costs associated with that. This is not fair or should be illegal if the US govt. is going to help the mortgage companies to get through the forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, XXXX customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Debt collection

Collections USA has a debt from someone who harassed me and damaged my property. I had a restraining order against them and they fought the restraining order ( I did not know ) the judge then told Them I had to pay attorney fees ( I did not know this either ) my harasser lied about the attorneys fees, sold the debt to collections USA, lied to them about the debt, Collections USA is lying about the amount and so is the perpetrator, the courts said that he cant sell the debt to a collection agency and that he has too have proof and attorneys bills that collections USA and the perpetrator failed to provide. collections USA also keeps putting hard inquires on my EX credit report without my permission. I feel harassed and staked now by not only the initial perpetrator I took to court but now by Collections USA. This system is beyond broken to even allow a sit ion like this to happen.
Product: Credit card

In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. 
I never gave the XXXX my new credit card number.
Product: Credit reporting or other personal consumer reports

Finances the car A XXXX XXXX XXXX to reduce the cost and expense of XXXX XXXX XXXX  damaged in JXXXX XXXX XXXX XXXXXXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XX/XX/XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX  they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation Cost by ride share It was a total lost XX/XX/XXXX a XXXX XXXX  XXXX  Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX  Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .
Product: Credit card

I received the below alert on XXXX XX/XX/year> from Citi Bank. 
Free Msg Citi Card XXXX. Did you attempt {$320.00} at XXXX XXXX XXXX on XXXX? Yes=1, No=2, or Sign On to Citi Mobile App : Citi.comXXXX. Reply STOP to Opt-Out Free Msg Citi Fraud Dept : To secure acct, please sign on : Citi.comXXXX and open a dispute/replace card or call XXXX. 

Per the suggestion I sign in to my online account and mark the pending transaction as Fraudulent that I didn't do transaction with the merchant and request a replacement card to protect my account. But after couple days I saw the charge posted to my credit card and I dispute the transaction as Fraud. Citi resolve the dispute stating that I provide my account for this transaction. Then I ask them to reopen the dispute since I aware of the charge when I receive the Fraud alert from Citi. I ask based on their investigation to provide me what good or service I transact with the merchant and send me evidence which they ignore my concern. When I ask to reopen and investigate the case again Citi put a remark on my credit card report. I feel I am not fairly treated and Citi not protecting my account from fraudulent activity and I need help on this matter. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned oXXXX XXXX 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 card or prepaid card

On Monday XXXX I reloaded my prepaid American Express card. I tried to pay my cellphone bill XXXX. The first time my card was declined. No problem, I probably typed too fast I thought. Tried it again and it was declined. My account was hacked before, so I went to check my balance on their app. I discovered I'm locked out of my account. Username, password, security question all wrong. I tried to reset it, and that wouldn't allow me to. I tried to call their customer service number, but after XXXX minutes on hold I gave up. I went to their XXXX page and discovered other people are having the same issue, if not worse and since way before me. Some have been having issues since XXXX. I've been calling every American Express number I can find since. Each time I'm on hold for 2 hours before they drop my call. I can't get my money, I can't pay bills, I can't buy food.
Product: Debt collection

XXXX XXXX XXXX ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between XXXX XXXX XXXX  and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....
Product: Payday loan, title loan, or personal loan

hello. i was trying to refinance with one main financial. i submitted all of the initial documents and she called me back while i was still at work. she she she needed a bank statement showing all of my recent transaction and wanted proof of the deposits because they didn't believe the ones i sent them. i was a little uncomfortable with this and asked XXXX if i was able to send it the next day because i was still at work and just felt a little uncomfortable and wanted to think about it. she also said it was her managers discretion and i asked if i called a different branch of one main that i could possible get the loan and she said yes to that. when i got home to upload the documents they closed it because I'm guessing she wasn't getting the commission for it or what. this really bothers me because they pulled my credit and i didn't get a fair chance to get approved for the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a XXXX XXXX XXXXXXXX account for less than full balance and was n't sent a XXXX. 
This company should no longer be reporting negatively on my credit reports. Please have this deleted immediately.
Product: Debt collection

I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP
Product: Debt collection

On Friday, XXXX XXXX,2017, A XXXX XXXX of XXXX XXXX XXXX contacted my employer stating that a payday loan debt, which was paid, I have copies of the contract and the payments made through my credit union to verify payment, was not paid. They also attempted to contact the office manager. There conduct is in violation of several US laws and regulations that provide for the collection of purported debts.
Product: Credit card or prepaid card

I was not in the market for a Credit Card. However, I was seduced by a Capital One Business advertisement online offering XXXX XXXX  financing for 12 months *IF APPROVED. Given that I was about to make a significant Business purchase, and my Credit Score was XXXX, I knew I would qualify and proceeded to initiate the application. 

During the following application process, cards with slightly differing added benefits were offered, including one offering XXXX free miles if {$4500.00} was spent on the card within the first four months. Given that my purchase was to be over this amount, and likely to take place within a month, this card was selected. This appeared to be pitched as an added incentive. 

However, it now appears that this is a form of 'bait and switch '. The card I was approved for has a fixed XXXX XXXX interest rate. It is of no use to me. I did not want it. As I said, I was not shopping for a credit card in the first place. 

I contacted Capital One Customer Services after noticing this issue after having made an initial {$450.00} purchase. I was ultimately transferred to a woman in their 'De-escalation Department ' who admitted she was there to stop people in positions such as mine for getting their complaints from reaching higher tiers. 

After this phone call proved fruitless, I emailed my dissatisfaction to members of the board of Capital One. Within a few days I received a call from the 'Executive Team '  offering to work on a resolution for the situation. I believed in good faith that there was an attempt at last to rectify the situation. All I requested was that Capital One switch the account from the one I received to the one I had believed I had applied for. I was told looking into such a resolution would take several business days. I understood. 

Today, I was contacted again by the Executive Department, where their only resolution offered was to close the account. Not only did the application 'ding ' my credit score, but closing the account would damage it further. It has already dropped from XXXX to XXXX, and further impact could easily drop me from the 'Excellent ' range. 

Capital One 's Marketing Department is purposefully enticing applications for cards people don't want with misleading advertisements and following it with a purposefully confusing card selection process. They then obstruct attempts to complain. They then offer no practical attempt to rectify the situation without the consumer feeling the fill impact.