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

Being a Capital One customer for over 9 years, I decided to take advantage of an upgrade to my account that was advertised as 1.5 % Cash Back, NO Annual Fee and {$150.00} cash bonus after a certain amount of purchases. 

When attempting to execute the offer, they would only upgrade me to the 1.5 % cash back but would not give me the other benefits. 

After debating with the XXXX XXXX, I was offered the No Annual Fee, but not the Cash back. 

When I decided to accept that offer, ( which I have saved on Chat with Service ) the asked me to disregard the offer and required an Annual Fee. 

Capital One is misleading, untrustworthy and disloyal. The also showed complete disregard for any issue that would create a negative effect on my credit should I cancel the card.
Product: Credit card or prepaid card

I was contacted by planning folders to place an ad in a folder that would be distributed to a local facility that rents out for weddings. They said it would appear for one year in their folders and would be {$370.00} for one yer. They would design the ad and I would have a proof. A few days went by and they called and said they could offer year 2 for the same amount. I said ok. The ads and proofs never came t be. I contacted the CC company but they first put it in fraud but then moved it to dispute. They now are unwilling to work with me even though I have provided all the proof
Product: Credit card or prepaid card

XX/XX/20 : Noticed I had unauthorized charges made with my card and contacted XXXX XXXX Support to file a complaint/dispute. They said the charges haven't cleared yet and to contact them to file a dispute when they do clear. 
Charges : XXXX XXXX XXXX : {$42.00} XXXX XXXX XXXX : {$51.00} XXXX # XXXX : {$92.00} XXXX # XXXX : {$120.00} XX/XX/20 : Charges cleared so I contacted Instant Financial support again and filed my dispute. They emailed me a dispute pack to fill out and to send it to a third party company named Incomm. I received and filled out and sent the dispute pack that same day to Incomm. 

XX/XX/20 : Incomm emails me saying the investigation is complete and that they did NOT find any unauthorized uses and said my money will not be refunded. They provided a contact email if I have any questions regarding their decision. I attempted to email that address provided and I get an instant response from the mail post server saying the email address I attempted to send to has a mailbox that is full and to try again. I attempted to contact the email address several times and still get the auto response saying the mailbox is full for the email. ( XXXX ) XXXX XXXX XXXX again to see why my dispute was denied and they said I have to contact Incomm via the email address that has the full mail box. ( XXXX ). I told them that I get an instant response saying it wasn't delivered and they told me to keep trying ( which I did and have ) and refused to give me a phone number to XXXX XXXX Dispute department and Incomm 's Dispute department.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, inc. ) due to inadequate costumer service and unfair practices which violate the ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

An account with HF Holdings appeared on my credit report. After finding this i made contact with the company and they refuse to understand the account was opened fradulately. I have absolutely no clue how they perform business but I have personally never done any of the business described and they refuse to remove this from my credit report. I am not responsible in any way for this account and it has been damaging my credit for years. I want this account removed. XXXX dispute center also refuses to remove the account from my profile.
Product: Mortgage

Dual tracking. I submitted a complete packet by the end of XXXX 2013. I dealt with XXXX different people who requested the same information that I have already submitted. I sent a completed RMA, Hardship affidavit, signed and dated XXXX taxes, profit and loss, check stubs EVERYTHING that was requested in XXXX 2013. I did the same thing in XXXX 2013 and XXXX 2013. I requested updates, called and sent multiple emails trying to find out status. Finally 4 days before the auction I received an email stating I needed to sign and date the Dodd Frank and the XXXX and get it sent back right away. I did so, and I received an email telling me it was received and my file would be put back into underwriting and he would have it escalated. 
The substitution of trustee dated XXXX/XXXX/2013 and the NOD dated XXXX/XXXX/2013 where both filed in the county where my home was. XXXX 2013 the NOS was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : XXXX  REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( Equifax XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Checking or savings account

i wire the sum of {$13000.00} to a XXXX Account on XXXX of XX/XX/2023 my bank said the XXXX received the money at XXXX, with the reference number of XXXX the XXXX account did not receive any money and my bank has refused to say where my money is now my bank have closed my account, please help me resolve this issue if they have closed my account, they should send a check of the amount to my address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting my credit account to XXXX Credit Bureau. I notified their Credit Account Dept and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a hard credit inquiry on my credit report without my consent. I was pricing wireless plans on XXXX XXXX XXXX 's website and provided information such as my address, current phone number, and date of birth. I did not provide my full social security number and did not complete the checkout process, accept any terms, sign any contracts, or agree to have a hard inquiry placed on my credit report. I contacted Experian about this to dispute the report, and they told me that they were unable to do anything and that I would have to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX using the phone number provided by Experian, which routed me to XXXX XXXX XXXX 's identity theft department. An automated system answered the call and placed me on hold for over an hour before a representative answered and stated they had no record of an application under my name and they were unable to help me. The representative transferred me to another department, who said that they were unable to remove the inquiry, and then transferred me to customer service, who also said they were unable to remove the inquiry.
Product: Debt collection

United Collection Bureau has attempted to collect an alleged medical from me on behalf of XXXX XXXX XXXX. Upon the process of validating this alleged debt, there has been a HIPAA violation that has occurred as a result. I never provided any written authorization to release my medical information to any third party debt collector and this debt collector has not been able to provide a copy of my signature authorizing any release of this information. I am requesting immediate removal of this debt from the XXXX credit bureau. I will be contacting the XXXX with intentions of exercising all legal avenues to have this issue remedied. 

Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Third Party : United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Amount : XXXX Date of service : XX/XX/2020
Product: Debt collection

On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.
Product: Checking or savings account

On Friday XX/XX/year> I deposited a XXXX euro check into Associated Bank. I opened the account because they advertised that they could deposit foreign checks including in euros and convert them to dollars. 

They first said it would take XXXX business days. Then they said it would take XXXX weeks. then they said it would take XXXX weeks. Then they said they mailed the check to XXXX instead of XXXX and lost the package and didn't know where it was. Then they said it would take longer. Today, after XXXX weeks, they said they were XXXX weeks into a XXXX week fraud investigation. Then they said they never said that and I must have misheard. 

I asked to close my account and have the check returned and they refused to close the account and return the check. I asked what carrier they used to mail the check and for a tracking number and where they sent it and they refused to tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported XXXX late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports
Product: Debt collection

I disputed the debt and asked for a debt validation letter and never received and was also under the understanding that it should have been removed because its a medical bill
Product: Checking or savings account

Checking account opened XX/XX/XXXX. I am a previous customer of BMO Harris ( last account closed XX/XX/XXXX ) and have existing login credentials. I attempted to log into my new account on XX/XX/XXXX using my existing login credentials and kept getting a message that my credentials weren't matching what they had on file. I called and spoke with CSR XXXX on XX/XX/XXXX. XXXX advised that I couldn't access my online account because my initial deposit hadn't yet hit the account, and to give it a couple days ; once my account was funded, I'd be able to access it. When I was still unable to access it on XX/XX/XXXX, I called again and spoke with CSR XXXX on XX/XX/XXXX. He looked into it and couldn't determine what the problem was ; he said he would open a ticket with their tech department and he would call me back in 2-3 business days to let me know the status. I never heard from him again. On XX/XX/XXXX, I called again, this time requesting to speak to a manager. I was transferred to, and spoke with, XXXX XXXX ( her phone number is XXXX ). She also could not determine what the problem was in my accessing the account ; she said she would submit an expedited request with the tech team and she assured me that she would call me back by the end of that day. I never heard from her again. I left voice mail messages for XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a return call. As of this morning, I still can not access my online account, although two deposits have been made ( one of which is a payroll direct deposit ).
Product: Student loan

I was recently set up on a repayment plan for my loans. I was paying {$340.00} a month. This amount was evenly distributed throughout all of my loans. For the months of XXXX, XXXX, XXXX and XXXX my payments were not processed. I had the money to pay the loans every month. I did not recieve not one call from sallie mae in these four months stating my payment was being rejected. On XXXX XXXX I recieved a call from a woman who informed me of this. She said if i didnt pay the months that were not processed which was about {$1000.00} by the end of XXXX I would be kicked off of the program. I was not given a second option. I set up a payment for XXXX XXXX, for the {$340.00} amount. She informed me if i didnt pay an additonal {$340.00} in XXXX I will no longer be under the program. I called this morning XXXX to resolve this issue. I was transfered twice spent 27 minutes on the phone and most of which my time was spent on hold. People kept transfering me to someone who can " help '' and I didnt get any answers. I need to resolve this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report using TransUnion 's online site. I got an error message saying " Unknown '' and that the service was temporarily unavailable. When I called the number listed for immediate service, I was sent through a phone tree to verify information. That was unable to unfreeze my account, and it sent me to a person at a call center. This person said that the system had recorded multiple attempts to unfreeze and would not allow any additional attempts for 24 hours. The person on the phone referred me to their paid service which she said could activate it immediately. Every time over the past 2 years that I have tried to unfreeze my credit with TransUnion the web portal is " temporarily unavailable. '' This seems to me to be a blatant attempt to make dealing with their company through these channels so annoying that people will sign up for their paid service.
Product: Credit reporting or other personal consumer reports

The company reported my account ( 90 days past due ). XX/XX/ til present. 
The account was actually in forbearance and should have never been report as ( 90 days past due ).
Product: Money transfer, virtual currency, or money service

I have been banned by PayPal from using their app. They indicated I have violated their policy on firearms. I do not sell firearms or ammunition. I only sell accessories. I have attempted to contact the company several times. They never respond. Currently PayPal has locked my account and is not allowing me to access monies in my account.
Product: Payday loan, title loan, or personal loan

-ID Theft, Fraud -- Please help! 

Dear Sir, My name is XXXX XXXX. I have a BoA CHECKING account ending XXXX. Recently, an auto loan account suddenly emerged under my account. The suspect used the name XXXX XXXX ( different than my name XXXX XXXX XXXX, my home address and made an auto loan for $ XXXX There is nobody in my family or relatives whose name is XXXX XXXX XXXX and there nobody in my family who made this loan Bank of America keeps imposing a fake loan into my bank account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX Edit account name Account XXXX Hide Loan account number Current principal balance : {$57000.00} Original loan amount : {$57000.00} Date of XXXX XXXX months This Loan account does not belong to me, however, after several times of long phone calls, BOA still put this into my account XXXX and continue to send me mails requesting for payment. Very disappointing. Request : BOA please remove this loan from my account. 

Per the mails rec 'd from XXXX XXXX XXXX XXXX XXXX, the Suspect ( XXXX XXXX XXXX also made other fraud theft including : XXXX XXXX XXXX XXXX cell phone lines from XXXX and XXXX for approximately {$100000.00} in total
Product: Credit reporting or other personal consumer reports

ther 's an inquiry in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX inquiry date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan and a unknown account was place in my credit report, How is possible Equifax report an unknown collection which doesn't really make sense what's the creditor name address or phone number How could I possibly match this to anything when there's nothing to identify Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this account can not report, How could I possibly match this to anything when there's nothing to identify
Product: Debt collection

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed 2 NAVY FEDERAL CREDIT CARD ACCOUNTS that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



CREDIT CARD COLLECTION XXXX : NAVY FEDERAL CREDIT UNION CREDIT CARD ACCOUNT NUMBER XXXX XXXX  BALANCE : {$8400.00} delete it from my credit report & STOP REPORTING CREDIT CARD COLLECTION 2 : NAVY FEDERAL CREDIT UNION CREDIT CARD ACCOUNT NUMBER XXXX XXXX  BALANCE : {$6200.00} delete it from my credit report & STOP REPORTING Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.