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

I have had a Capital One Platinum Card since XX/XX/2018. Since then I have made at least 9 payments, and while I use the card I pay completely on a regular basis. They have a step program for a credit line increase ( make 5 on time payments and receive a credit line increase guaranteed ) of which I have met. I can see the tracker on my online account. We are now approaching over a month in which my increase says it is still in process. Per Capital One I have met all the criteria, when I have called on 3 occasions, they have told me 3 different answers, and have lied at least twice. I have been told to wait, to request increase, and also spoken with a supervisor, all of which has not helped to process the increase that Capital One as acknowledged that I have earned PER THEIR OWN POLICY. I believe Capital One is projecting a false narrative, providing false documentation, and not honoring their own policy. Furthermore they advised me to manually apply for increase, and guaranteed increase ( recorded phone call ) which did not result in increase and constituted a credit hit whether soft or hard on my report ( detriment to my score ).
Product: Vehicle loan or lease

We purchased a truck in XX/XX/2022 from XXXX XXXX XXXX in XXXX MD. Santander financed the loan. In the process of the financing paperwork, it was a very rushed process as the business closed hours prior to our financing process. The XXXX  XXXX at XXXX failed to go over the contract in its entirety and only told us the first payment would be due in XXXX days and the finance company would contact us. In addition, there was an incorrect address on our paperwork which means we failed to receive any statements by mail. I created a customer portal account in order to get notifications regarding the account, which I checked multiple times in the course of the XXXX  days. There was no information in the portal. When I checked in XXXX, I saw the information and saw the account was delinquent. I immediately paid the XXXX and XXXX payment. However, it was already reported as XXXX  days late. When Santander was contacted, they advised me that the 30 day late payment could not be reversed as they attempted to contact my husband ( the borrower ) but at no point did they contact me ( the co buyer ). We received nothing by mail nor did I receive any statement by email or otherwise. They admittedly reported that they had returned mail from us. I don't feel as though my credit should suffer due to mistakes of others and I am asking that this XXXX day late payment be removed off my credit.
Product: Checking or savings account

I had filed a complaint earlier and it was resolved but the incidents that occurred after that have not PNC had returned 4 transactions to XXXX XXXX due to the money not being there from the first complaint and XXXX submitted and they were paid now XXXX has charged the account XXXX XXXX dollar return fees plus a XXXX dollar NSF fee all do to the mess up from the original complaint it has put my acct in an overdraft situation. I put in a dispute but they are not taking responsibility for all this was caused from their side and should take responsibility for this caused by their neglect I would like this cleared up as I spoke with XXXX, and they don't show any return fees. I have had several XXXX XXXX in the past five months and am getting tired of all of this.
Product: Checking or savings account

I had a checking account with sun trust bank location in XXXX Georgia, during the period of time that this account was active sun trust bank on a monthly basis took from my account because of overdraft fees in excess of XXXX in one month. during this same period I was charged an overdraft fee and if the overdraft was not paid I would be charged an additional {$72.00} from my account. In one month a deposit was made from the veterans administration in the amount of {$1700.00} and after Sun Trust withdrew and deducted there fees I was only left XXXX at which time the account was closed. During the time this account was in existed which was less than one year, Sun Trust withdrew over {$3500.00} in fees. When I attempted to bring this issue to the branch manager i was always given an explanation that they were entitled to charged my account these fees. A brief discription of these charges were, 1 }, carry a XXXX  balance ; 2 }, having a negative balance, 3 ], not paying overdraft fees within a certain period, 4 ), maintaining fees for an open account. these are some of explanation however its not limited to those listed above. 
As mention above the straw that broke the camel back was when my compensation payment from the veterans administration was received and i received less than 50 %,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate.
Product: Credit card

I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed
Product: Credit reporting or other personal consumer reports

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Reports, I noticed some late payments on reports for which I have always maintained on-time payments. Consumer Reporting Agencies play an important role in accurately reporting customer information. This information must be reported with utmost accuracy. I've never missed a payment with the following accounts : XXXX, XXXX, XXXX, and XXXXDept of Education . I request a thorough investigation into these discrepancies and urge you to provide evidence, demonstrating the lateness of these account payments. If you are unable to furnish this proof, I demand that these payments, be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay.
Product: Credit reporting or other personal consumer reports

I am reporting that I have been a victim of fraudulent activity. In my efforts to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed in an identity theft report with reference number XXXX. Attached are the documents needed to remove the incorrect personal information and inquiries posted to my report. The following items were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXXTRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, FL XX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by a consumer as resulting from identity theft within four business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Product: Mortgage

After a series of unfortunate events ( XXXX and put me out of work, separated from my ex wife, property damaged by flooding not covered by insurance, loss of job ) that all occurred within 1 year, I was no longer able to afford the mortgage payments on my house and I went into foreclosure. After securing a well paying job two years later, I applied for a loan modification and was denied. When I asked Ocwen about what options were available to me, they told me that I could apply for a deed in lieu of foreclosure or do a short sale on the property. They told me that then deed in lieu of foreclosure option takes around 90 business days so I chose to pursue that option. I filled out the application in XXXX of XXXX. In XXXX of XXXX I signed an agreement to the deed in lieu of foreclosure and as of today, XXXX XXXX, XXXX the deed in lieu is still incomplete. Every time I call them for an update, they give me excuses as to why the deed in lieu is n't complete. At first they told me that it was hung up in legal. They used that excuse for several months. Then they said that there was a problem with the title. Then they were telling me that the VA was making it take forever. Now they 're saying that there is a lien from XXXX XXXX. In XXXX of XXXX, I became fed up with their excuses and decided to conduct a short sale so that I could be done with the house finally. I was notified by a real estate agent that I could n't sell the property because I did n't own it as of XXXX XXXX. Apparently they took possession of the property in XXXX XXXX and nobody that I spoke with at Ocwen knew it. If Ocwen would have been honest with me in XXXX of XXXX and told me how long it takes to complete a deed in lieu of foreclosure, I would have just sold the property right then.
Product: Credit card

I feel taken advantage of as a consumer. I just found out that I never received the opt out notice for these accounts from having my nonpublic personal information being shared with nonaffiliated third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and Experian. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Checking or savings account

Sunday XX/XX/XXXX my chime bank account was charged {$44.00} for XXXX XXXX, I had two other fraudulent charges for XXXXXXXX XXXX and another one of my cards also. I disputed the claim and they denied my claim. I did not spend this money I have a vehicle why would I buy XXXXXXXX XXXX My other bank stopped the transaction no problem. But not chime they said no fraud has occurred. The transaction has a phone number ( not mine! ) and a location ( XXXX XXXX  ) attached to it!! I live in XXXX! I can not believe they didnt refund my charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : XXXX XXXX # XXXX, SOUTHWEST CREDIT SYSTEMS # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Equifax and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX 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
Product: Money transfer, virtual currency, or money service

I received an email for a job interview that was posted at XXXX. I was given instructions to download a telegram app for communication. I contacted the HR person through this platform. The interview happened via chat. It seems everything is real. They use the company XXXX XXXX. the HR person introduced himself as XXXX XXXX XXXX. I check online, theres a XXXX XXXX as an HR HEAD for XXXX XXXX. Interview went well. All the questions seem to be a real interview. I was told that I am a good fit for the position. They sent me a contract to sign. He sent me information on how this work-from-home job process. 
For me to get the materials, they sent me a check ( {$1900.00} ) to my email. They gave instructions to deposit it into my account, which I did. XXXX XXXX instructed me to send {$1000.00} to their trusted vendor, XXXX XXXX, via XXXX. Then, followed by the remaining {$970.00}. He had told me that payments were received by XXXX through XXXX app. Her acct at XXXX is XXXX. 
Prior to sending this money through XXXX, the check that they sent me was posted/cleared, which means it was funded. I also called my bank Chase, to check if the XXXX account of XXXX exists, and it is. After XXXX XXXX confirmed that the remaining {$970.00} was received by the vendor, he told me that the {$1900.00} were not enough and that they need to sense me again another check. 
I already sense that something is fishy. I sent him a message ( all these are communicated through chat ), and I told him, I am sorry... 
Is it possible for the company to send the check to XXXX? My XXXX and I are just not comfortable with this arrangement. and he answered, Okay good... I need you to be on standby.. I will forward this to the XXXX XXXX I will let you know as soon as I have update for me.. This XXXX XXXX XXXX has a telephone number registered in the XXXX app as ( XXXX ) XXXX. 

On XX/XX/22, ( which is after a day ), I reported this to my bank Chase. I was also advised to call XXXX, which I also did. XXXX customer service asked for the transaction numbers, and I provided them. 

Chase told me right that they will file a case with their XXXX Department but they do not guarantee that my money will be refunded. They have also told me that decision will be available on XX/XX/22. 

I called on XX/XX/22 to Chase and I was informed that they were not able to get my money back. 

I don't believe that they ever tried to recover my money. Even when I called XXXX on XX/XX/22, I was told that the scammer 's XXXX account is active. I called both Chase and XXXX on the same day, even though it was XXXX, XX/XX/22 for them to at least freeze or alert the scammer 's account. 

This is so frustrating! that Chase bank showed that the " check '' was legit and put funds in my account ( I was told also that it was a legit check ) until 3 days after that same check was declined/bounced. And my money they can't recover?! I felt like Chase gave me a fake balance/funds to my bank account and has not protected my money.
Product: Mortgage

I have been with Dovenmuehle Mortgage Inc. since XXXX. Every since they have bought my mortgage it has been nothing but problems. Example - payments been placed on the wrong months not getting a positive response from the company about the matter. Then getting to run around repeatedly about my payments. I have filed a complaint before with cfpb about this same matter. I have contacted other agencies also no one is doing anything about this crooked mortgage company and they are getting away with it.Now they are trying to take my home. When they were contacted by you CFPB, they sent me paper work where the dates or payments were n't right and did n't add up. All it was was a lot a paper with the logo and incorrect information on them. I have seen on this very website other complaints about this same mortgage co. and home owners payments. WHY??? is this company able to get away with this i do n't know. i have proof of all my payments from being to end. The mistake was Dovenmuehle and they have yet to fix it and will not fix. They say they have fix it but that 's not true. Now they are trying to charge me more money Late fee etc. and have yet to fix my account. Now they want to take my home
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Amount : {$6800.00} XXXX5 USC 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and have been battling the effects of it for several years. I've sent police reports and identity theft affidavits to Equifax directly and through CFPB website to prove this ... I still continue to have problems with illegal/fraudulent inquiries and they refuse to remove them from my credit profile. 

The following inquiries are fraudulent and a result of identity theft : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX