23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with XXXX a supervisor at CapitalOne and he would not even verify his agent number properly. It was either XXXX of or XXXX. Every time I tried to verify using alpha letters he wouldnt even verify it. Said there is no other supervisor above him that I could be transferred to and said I would have to hang up to get another supervisor. I was inquiring about how they track payments and none of my questions were answered. I provided a tracking number from USPS to show them I made a payment. I dont even know why their roles exist if they cant answer any questions. Everything was just frustrating and unprofessional. Ive never had this level of incompetence when dealing with bankers and creditors. They make verbal promises and then wont send any kind of written account for the false promises they make. And then, they make you feel like the bad guy for wanting things in writing. They will tell you they dont write out any agreements for settlement when I know I have received it before. There are too many people who cant even verify something that was said prior or have any level of consistency. 

These agents need to be held accountable for what they say and promise customers. How is this practice OK?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After considering the benefits of the UBS Bank XXXX XXXX card, I decided to call the main customer service number and inquire about the process of application, benefits and welcome offer. The male agent explained me all the benefits, took my information to send me an application packet, and explained me there was a welcome offer of XXXX points after spending {$3000.00} in the first three months. I figured it was an all around attractive package so I signed up for it. After meeting the required spending, UBS only award me XXXX points instead of the promised XXXX which can be found in the recording of the call. I called customer service about it on 2 different numbers, but nobody knows anything about it. I also emailed Mr XXXX XXXX directly and he never replied to me. The second problem I have is that I have not been able to use 2 of the advertised benefits of this card, the Visa XXXX Hotels program and the XXXX XXXX passes. I keep hearing there's a problem where Visa XXXX doesn't recognize my card, but it's been 2 weeks and I'm frustrated with this bank. Anybody reading this, please stay clear of UBS. They clearly run a bait and switch operation. I don't even know how they're able to legally operate in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see numerous inquiries on my credit report that aren’t accurated. XXXX XXXX  also these medical information. I think identity thief is going on
Product: Credit reporting or other personal consumer reports

in XXXX the city of XXXX XXXX old XXXX  property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of XXXX onto my property. During that time the building inspector illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have files several disputes with Experian, XXXX, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, Experian, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing in reference to Transunion, Transunion is in violation of 15 USC 1681i ( 2 ) ( A ). I have sent all documentation to prove that I am a victim of identity theft. and that in fact transunion is in violation.
Product: Checking or savings account

On XX/XX/year>, I experienced a disconcerting situation regarding my paycheck, which was supposed to be directly deposited into my Capital One 360 bank account by my employer. After a long day filled with anticipation, I eagerly checked my account, only to find that the expected funds were not available. This unexpected financial gap prompted a series of phone calls that revealed more frustrations than answers. 

First, I reached out to my employer to confirm whether the payment had been processed. The response was reassuring when I was informed that the check had indeed been issued and that there should not have been any issues. This news, while comforting, only added to my confusion about why the funds were not in my account. I understood that technical issues can arise, but the lack of transparency was troubling. 

After confirming with my employer, I dialed Capital One customer service, a decision that would lead to a lengthy wait. My experience on this call was frustrating, as I spent two hours on hold. It is disheartening to think about the time wasted and the anxiety that builds while waiting for a resolution to a pressing financial issue. Eventually, when I was finally connected to a live agent, I was informed that the problem was due to a technical issue on Capital One 's end. They assured me that this would be resolved by the end of the day. Despite this reassurance, as time passed, I remained anxious about the situation and continued to check my account. 

By the end of the day, however, my account remained unchanged, and the expected deposit still had not materialized. This experience underscored the challenges individuals face with banking systems and the reliance on technology for essential services like payroll. Given how dependent many people and myself are on direct deposits for their day-to-day expenses, it is crucial for financial institutions to maintain reliable systems and provide timely support when issues arise. 

My experience today, with the missing deposit was frustrating and anxiety-inducing. When I am one of the many customers that lives paycheck to paycheck to support my family. The importance of timely and effective communication in banking can not be overstated. As technology continues to drive the financial industry, customers must have access to reliable service and accurate information, especially in this timeframe. I am very unsatisfied and disappointed with Capital One. After the issue is fixed I will be closing my accounts with them and banking elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Dept of Edu claimed to have provided XXXX and Equifax with an update of the accounts they report. I am requesting for XXXX and Equifax to provide me with a copy of the update or AUD they received from the US Dept of Edu for XX/XX/XXXX and XX/XX/XXXX The following student loans have been reported to the credit bureaus with inaccurate or lack of information. 
Account # XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00}
Product: Credit card

I applied and was accepted for a milestone credit card in XXXX of 2023. Once I received and activated the card over the phone, I began using it. I quickly noticed that it was almost impossible to pay your bill in an efficient manner unless you called on the phone. I would call repeatedly and no one would ever answer the phone. I tried paying online and was promptly locked out of my account and because they don't answer their phones I have not been able to ever get my account unlocked. I even mailed a check to the address that they provided in their information pamphlet when the card arrived. The check was returned. It turns out that this company was purchased by another company somewhere along the way and I was never informed about this transition or given the information needed to contact the business in order to get my financials where they need to be. Now I have a negative hit to my credit because this company did not clearly state or provide a convenient way for their consumers to pay their bill. I would be happy to settle my bill in exchange for the negative non-payment notices to be taken off my credit report and the absurd amount of what I assume are late payment fees to be removed as well. This is not trustworthy of them to do to their customers. I have worked hard to improve my credit over the last XXXX years and this credit card has single handedly tanked it yet again. I will be hiring an attorney if this can not be disputed promptly.
Product: Mortgage

I have a XXXX loan that originated in XXXX. I have paid plus/minus {$800000.00} since XXXX. The loan is now serviced by XXXX  XXXX XXXX. 

Bank of New York Mellon wrote on XX/XX/XXXX to me and the CFPB the following but did not provided the requested documents that I requested proving that they in fact are the trustee for my loan. 

" Re : Case Number XXXX ; XXXX XXXX XXXX the Consumer ) and XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX XXXX the Property ) To whom it may concern : The Bank of New York Mellon XXXX formerly known as The Bank of New York XXXX BNY Mellon XXXX XXXX has completed its research of Case XXXX. 

Our research shows that the Property secures a mortgage loan ( the XXXX ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the XXXX but does not service or have the authority to service the XXXXoan.

The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify, or respond to Consumers concerns related to, the Loan.

The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please update your records to reflect the Master Servicer as the appropriate responsible party to respond to the Consumers concerns.

I request Bank of New York Mellon to provide documentation of their below statement. I have previously request such documentation and they have not responded.

" Our research shows that the Property secures a mortgage loan ( the Loan ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). '' Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX ( cell )
Product: Debt collection

XXXX : XXXX I informed the sales representative that XXXX XXXX passed away on XX/XX/23 regarding this above mentioned account. I submitted his death certificate. I have XXXX notices from TSI for the amount of {$350.00} for a bill with XXXX. I have XXXX and this lends credibility to my case with XXXX as well because this supports that the equipment was in the home located XXXX XXXX XXXX, XXXX XXXX, LA XXXX. 

I spoke with XXXX XXXX customer service, XXXX XXXX ( supervisor ) and XXXX XXXX ( manager ) for XXXX on XX/XX/23 ( New Jersey ) staff. At the time I was offered a rewards visa, free equipment, discounts based on the fact that XXXX XXXX was a loyalXXXX customer and no money down at the time of installation. I was offered an annual fee of {$570.00} instead of {$1000.00} due to XXXX XXXX being a loyal XXXX customer, A Veteran and that his mother which is my grandmother being XXXX  years young. I was charged {$120.00} at the time of installation or reprogramming of the equipment in the home and then multiple charges for {$59.00} for XXXX and {$67.00} flex pay for equipment monthly. 
I found that the verbal contract was changed, there are third party or contractors for XXXX, Again a flex bill even though the equipment was alreadyin the home of XXXX XXXX, a XXXX  cam and nest was added. XXXX XXXX will not be paying this bill as he is deceased nor will my XXXX XXXX XXXX XXXX XXXX. As for myself, I can't wait until this contract with XXXX is over because this is an agency who does not mind lying to get a person sucked into their services as evidenced by the 75 % -90 % cancellation charges and changes in the contract. So again for clarity the equipment was in the home with the exception od the XXXX  cam, nest and I was promised a thermostat but the young man from XXXX XXXX did not have the part and stated he could come back with the thermostat. No flat screen was installed because it was already in the home and I have spoken to so many reps from XXXX and I submitted a Notice to Dispute certified mail to XXXX. 
So my complaint is two-fold XXXX is deceased and this bill was sent to TSI ( creditor ) and my complaint against XXXX for deceptive advertisement and practices. XXXX is predatory in nature because my grandmother is XXXX XXXX XXXX so I had to set up services for her to feel and be safe. XXXX really sold the family concept and appeared to be compassionate but this is the furthest thing from the truth. Buyer Beware Caveat Emptor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a derogatory mark on my credit report from an open collections account from Stanislaus Credit Control. I never received any phone calls or letters from them since the account was opened six years ago. For the past month and a half, I have tried calling and e-mailing them multiple times but have not heard back. I would like to settle this debt but am unable to get in contact with them. It is hurting my credit and I want the account closed.
Product: Debt collection

Today XX/XX/year>XXXX  I was notified that my TD personal checking bank account was frozen/levy was placed use to a debt owed and was told to contact the law office of XXXX XXXX XXXX I dont know who XXXX XXXX is but I did call his office. A representative gave me some account numbers and monetary figures but it still did not ring a bell. They told me that the original creditor was XXXX XXXX XXXX XXXX. I have never heard of either company and certainly have never done business with either. I asked was this for a service or loan and was not provided that information/clarification either. Was told to contact the XXXX XXXX court of common pleas. Seems like Id need a lawyer that I dont have the funds for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA. ) Cash app failed to take measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. these actions have caused significant inconvenience and financial loss and i seek appropriate redress.
Product: Credit reporting or other personal consumer reports

I do not know who this company is. I have had utility bills opened in my name before from Connecticut and this seems to be the same thing happening. 
I have never had this utility bill. It has never been validated.
Product: Credit reporting or other personal consumer reports

I just ran my credit report for the first time I am a XXXX XXXXXXXX who surved the country for over XXXX XXXXXXXX XXXX Veteran it is very stressful and XXXX that I am revieweing my credit report and see that there are unathorized inquiries and accounts that are not mine please assist me in removing this it is sad that I serve the country and someone is using my information for falsey use.. EQUIFAX - ACCOUNT - XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies NOT MINE NEVER BEEN MINE - XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXXXXXX - NOT MINE NEVER BEEN MINE - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies PLEASE REMOVE THIS FROM ACCOUNT FROM MY FILE. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER APPLIED FOR ANY OF THIS. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I am a retired veteran who served the country for over 20 years it is very depressing and stressful that youre report inaaccurate information.. 

My personal name is also wrong it should only report XXXX XXXX & My residence is XXXX XXXX XXXX XXXX XXXX FL XXXX I have not lived any other place as it was stationed almsot all my life.