23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX Balance transfer of {$10000.00} was initiated in Capital One app using the " Offers '' section of my Ventrue Credit Card XXXX I selected the offer of " 0 % XXXX % transfer fee '' with the expiration of XX/XX/XXXX. See below the attached email with this information. The email from CapitalOne does not state the offer I selected. I am enrolled in paperless billing & documents. I do not have any document or email stating which offer I selected. 

Continued making weekly/biweekly payments. 



XXXX I noticed XXXX and XXXX had been charged interest, despite my transfer offer providing no interest for 18 months. 

XXXX Contacted XXXX at XXXX for 1 hour and 39 minutes. I was transferred to XXXX, supervisor, from the representative. I requested documentation as proof of why I was being held responsible for a balance that is now accumulating a large amount of interest, as it defeated the purpose of initiating a balance transfer, which is why I selected the 0 % for 18 mo and was aware and willing to pay the 3 % transfer fee. She stated this must be escalated to the back office teams for credit cards in order to retrieve that type of information. I requested that the note contain my lack of email, document center document, mail, or transaction specifying which offer was selected. Also, that my offers tab still had both offers active. I requested they change the balance transfer type to what I originally selected, reverse the interest charges, and provide proof of in-app offer selection. After this was submitted, XXXX advised it would take 7-10 days for a response. She also stated she would make a new calendar event to reach back out to me on XXXX XXXX XXXX XXXX  to follow up if my request was denied. 



XXXX XXXX XXXX for 28 minutes I spoke with XXXX XXXX. I stated the above information and requested an update since XXXX did not reach out to me. She read me the response from the back office stating they will not reverse the charges or change the offer selection. I asked what evidence they had that resulted in their decision. I again repeated that I was not provided with any documentation to utilize as proof of what offer I selected, which is very out of the ordinary. I asked what other documentation aside from the initial transaction and no 3 % fee transaction that they could see was used. XXXX stated their response again and said they dont provide that type of information. I asked once again, if I dont have any documentation as proof nor does Capital One, how is this a fair resolution? XXXX stated the back office is the highest it could have been escalated and there were no other options to resolve this. I requested to see in writing the back-office response she read to me and was denied. 



I did receive an email as requested with my VENTURE CC terms and conditions, that I already had access to. That document provided zero relevant information regarding my case.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( b ) ( c-2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATIONThe accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX { ac # } XXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 2. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 3. { XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 4. { XXXX XXXX XXXX XXXX XXXX XXXX  } XXXX. { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 5. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 7. { CHILD SUPPORT ENFORCEMENT } XXXX XXXX XXXX } XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 9. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 10. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 11. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 12. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Address XXXX. NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized account from my credit report due to a recent data breach that compromised my personal information. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account blocked and deleted from my credit report. 
Unauthorized Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a threatening letter from the XXXX XXXX XXXX XXXX XXXX XXXX in regard to a debt that I am not familiar with. I attempted to clear this matter up with the law office but I truly believe that it is a fraudulent company. In the package that they sent it me it warns me not to contact the FTC or any other government agency regarding this matter. They have yet to follow up with the matter but they continue to harass me non stop via email and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never 30 days late on any payment for a credit card that i had. i made my payment online using their website. However, recently i have attempted to get approved for a home loan but noticed that i have one late payment on my credit report from this company. I've attempted to get the late pay removed from my credit report but haven't had any success. Please help me in getting this late payment removed as i was never late and was notified of my payment online.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax security breach I signed up for the free one year TrustedID Premier credit monitoring. I received the email to enroll on XX/XX/XXXX. I attempted to sign up that day and received an " enrollment error '' and a message to call XXXX. I called that number and waited on hold, provided my info and was told that it was the wrong dept and to call XXXX. I called that number and waited on hold, provided my info, and was again told wrong dept. I was then provided XXXX. That number too says they are the wrong department and suggests calling XXXX ... the number I began with. 

I called back the next day and encountered the same ordeal. I also have called back today, XXXX XXXX, and experienced the same thing. So after XXXX hours on the phone total I am no closer to being able to use the credit monitoring. 

Equifax is responsible for releasing my credit/financial information without my permission and is now failing to uphold their offer of a year free credit monitoring by putting consumers in a never ending loop.
Product: Mortgage

Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off. 

Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX. 

Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage. 

Thank you, XXXX XXXX
Product: Debt collection

Association Fees : XXXX XX/XX/XXXX, I received and responded to the first Overdue Account letter. I sent two letters requesting documentation of the increase in Association fees and did not receive a response until XX/XX/XXXX, signed by XXXX XXXX, Board of Director. The document showed the increased assessment from {$150.00} to {$170.00} would take effect starting XX/XX/XXXX, and a monthly interest rate of 10 % on the balance and a late fee of {$25.00}. I do not recall a Homeowners meeting regarding the reasoning for this increase. I requested my account to be adjusted based on this document as I was already disputing the validity of the charges and received no assistance or response, and the fees continued accruing. Atop this, on XXXX XXXX, a lien was filed against my home, which I wasnt aware of until XX/XX/XXXX. 

Garage Door : XXXX XX/XX/XXXX, I received a letter requesting the dent in the garage door be repaired. If the violation/repair did not occur in 10 days from the letters date, XXXX XX/XX/XXXX, the Association has the right to enter my Lot to correct it, or to assess a weekly {$100.00} fine. It states each week a violation continues constitutes a separate violation for which the fine will be imposed. I immediately contacted the management disputing this alleged violation and was informed it was up to the board to provide an extension. An email was sent along with a letter informing the garage door would take 2-10 weeks to be repaired because it was being discontinued, according to the contractor with XXXX XXXX. 9 days from the date of the letter, according to the account records, I was fined. This continued well after replacement and after the board and management company were notified. 

After meeting requests went unanswered, I started receiving letters from Dunlap Gardiner, LLP. With each letter that I received, I responded with certified mail. This would prove to be of no help to my attempts to discuss and rectify this issue. 

In between these events, I received letters regarding my lawn right after days of rain, and my garbage receptacles being visible the day before scheduled trash pick-up, just to name a couple. I have requested information that wasnt received in the time allotted by state law. Ive reported an assistant-living business being operated in one of the homes and nothing has come of it. Is it acceptable to disregard the violations of one and continue to pursue another?
Product: Debt collection

For an extended period, I've been experiencing incessant harassment from Portfolio Recovery Associates about a supposed debt I unequivocally dispute. I have no collections recorded, neither currently nor in my past credit history. Despite my explicit request for a debt validation notice, they continue to reach me through a multitude of numbers at various times : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Moreover, I've been registered on the 'Do Not Call ' list since XX/XX/, which only highlights the impropriety of their repeated calls.
Product: Mortgage

My mortgage was increased from {$1100.00} in XXXX of 2021 because of a escrow shortage for taxes of around $ XXXXMidland stated they could charge double for escrow shorts and increased my annual payment by {$850.00} divided by XXXXI paid the {$850.00} shortage to my escrow and paid the mortgage payment that had increased.I requested a escrow analysis and they only lowered my payment by $ XXXX.My payment should have gone back to the original payment of {$1100.00} since I paid the escrow short.There is no reason for midland to continue to collect the {$850.00} annually for my escrow and increase my Mortgage payment.I paid the {$850.00} escrow payment around XX/XX/XXXX XXXXThe analysis was done in XXXX of 2021 and the result was a {$4.00} decrease.I need my mortgage payment to return to {$1100.00} monthly.
Product: Checking or savings account

Notified the company, Current bank, to lock my account due to my phone being stolen, and I was told they would. I later found my account was emptied and I can not get the company to answer my calls or respond to emails.
Product: Credit reporting or other personal consumer reports

Follow-up Complaint Regarding Inadequate Dispute Resolution and FCRA Violations- Pattern of Systematic Investigation Failures On XX/XX/year>, I filed a CFPB complaint regarding credit reporting inaccuracies. Equifax 's response on XX/XX/year> was inadequate and failed to comply with FCRA requirements. This inadequate response appears to be part of a broader pattern of systematic investigation failures, as evidenced by the lawsuit filed against Equifax on XX/XX/year>, regarding their dispute investigation practices. My experience demonstrates the same problematic practices cited in this legal action. 

Evidence of Systematic Investigation Failures : Equifax 's response to my dispute mirrors the allegations in the XX/XX/year> lawsuit Their generic, boilerplate response demonstrates a failure to conduct proper individualized investigations The pattern of deflecting to " previous disputes '' without addressing current disputes appears to be a systematic practice Their failure to provide specific documentation aligns with broader allegations of inadequate investigation practices Failure to Provide Required Documentation ( FCRA 611 ) : Equifax failed to provide any documentation proving how they verified the disputed accounts No evidence of communications with furnishers was provided No specific verification methods were detailed for individual accounts No names or contact information for verification sources were supplied Improper Handling of Individual Account Disputes : For XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX  XXXX XXXX : Equifax deflected by claiming " previous disputes '' without addressing the current dispute No verification documentation was provided No explanation of how these accounts were investigated Failed to provide results of current investigation For XXXX XXXX XXXX XXXX : Equifax merely stated the account is " not currently reporting '' No explanation provided for why the account is no longer reporting No documentation of steps taken to verify this status No information about when or why this change occurred For XXXX XXXX XXXX : No documentation of steps taken to verify this status No verification documentation was provided Violation of FCRA Investigation Requirements : Equifax provided only a generic description of their investigation process No specific details about steps taken for my particular disputes Failed to provide " all relevant information '' regarding the investigation Did not include required documentation of furnisher communications
Product: Vehicle loan or lease

I try several times ask for more time to pay my past due balance but unfortunately BMW financial never give me a chance, then I Voluntarily return the car to the dealership
Product: Checking or savings account

My checking account was closed with chime but there were some refund deposits made on the account. I emailed their team about a XXXX refund & I had gotten word from XXXX - a Senior Finance Director at the XXXX. She specifically told me that she reversed the item on XX/XX/2023. Its been over several months and I have not heard from chime at all. My debit card for chime is not working because they closed my account. And I can not understand why I have not received my money back. They stated they send funds left to closed accounts after 30 days but they sent me an email saying that I was not eligible for my own money. 

They even emailed me saying the money has been put back into my checking account, please look at the uploaded a document saying the {$230.00} has been reflected! Then I got a email saying I was not eligible for it! 

Additionally they went back on their word twice. I received a email from them over two months ago saying I would have access to the {$230.00} but theres no way of receiving it/using it because my debit card is not active and my account is out of my control. Then they said I was not eligible because they closed my account and also never gave me a reason. There was also money left in my account as well just in my checking account that they are refusing to give me. 

Please help!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and my account got fraudulent sins XXXXXXXX XXXX XXXX  my social security was compromised and I got things on my credit report thats not mines and Ive been trying to dispute with the bureau but no progress
Product: Mortgage

They overpaid my taxes and was issued a return check for the overage since XXXX  they have not applied the overage payment back to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$54.00}
Product: Credit card or prepaid card

Timetable In XX/XX/XXXX Chase mailed us a new replacement credit card for our current one that would be expiring soon. Chase acknowledges there was no notification it was being sent to us via first class mail. 

We were unaware of the issuing of the replacement card until we received our Chase Credit Card Statement for the period XX/XX/XXXX to XX/XX/XXXX. 

On the above-mentioned statement, I saw multiple charges that I knew werent mine, as each of them occurred outside our area in XXXXXXXX XXXX ( See attached Chase statement ). It defies all logic as to why I would go to a faraway XXXX XXXX, for instance, ( among other fraudulent charges ) rather than to the locations near us, as I have done in the past. These locations include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite the distant locations, Chase was repeatedly insistent that these were valid transactions simply because the card was swiped, and they wouldnt acknowledge the fact that if we never received the card in the first place, someone else was swiping it elsewhere. 

Every fraudulent charge occurred after the mailing of this replacement for our original card. 

EVERY ONE OF THESE CHARGES occurred between the time Chase mailed this card ( which we never received ) and the time of receipt of the statement that reflected these charges. 

When I initially reported these fraudulent charges, I was asked by a Chase representative if I had ever received this card. I informed this representative that I had not. 

When I inquired if the replacement card had a new expiration date embedded in the chip, they did not have an answer. Each fraudulent charge was made with the new replacement card. 

I was issued a new card ( which we currently use ), which I activated on XX/XX/XXXX. 

Despite multiple phone calls the Chase Fraud Department, they refused to acknowledge that these claims were fraudulent. To quote their resolution : Our latest review confirms the previous finding that the transactions were valid. ( See attached correspondence from Chase Fraud Dept. ) Please note : in this correspondence they do not acknowledge : a. We never received the card that was swiped for these charges b. That the fraudulent charges all occurred since they mailed out the card to replace the soon to be expiring card c. That these locations are far away from us including XXXX XXXX around the country d. We were in XXXX at the time of these out of state expenses, as shown by other charges on the card.