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

I dont regonize this inquiry. 

XXXX Date of inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of account for XXXX XXXX XXXX XXXX from Capital One. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the Capital One account because I do not owe this credit card statement and this is a true bill of commerce. Also Capital One has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Product: Student loan

I refinanced my {$41000.00} of Discover student loans with XXXX XXXX XXXX. On XX/XX/18, XXXX XXXX XXXX dispersed a payment to Discover that equaled the payoff amount. On XX/XX/18, Discover had only processed half of this payment. I called to ask when the second half would be processed and they said it would be completed as soon as possible, and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called again and they said the remainder would be processed as soon as possible and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called and spent 58 minutes on the phone with a representative who could not provide an answer as to why the payment had not been fully processed and could not provide any additional information.
Product: Credit reporting or other personal consumer reports

I have requested that this account be deleted and blocked I sent the police report and the FTC and also I sent my bill to show the address and information that you have is wrong also there are many mistakes on the account please take in consideration this is the second time I request this XXXX the fraud inquiries as well XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To who m it may concerns, I have  XXXX  public judgments on my credit report that have been satisfied and release but Experian h as refused to remove them from my credit report.   I have called them in vain. I have also disputed these  XXXX  public judgments in vain. I have provided all documents and it is still not removed. These  XXXX  judgments have also been on my credit report for more than 7 years showing release and satisfied but still not removed from my credit report.   Here are the reference #  XXXX  and reference #  XXXX .     There are also others collection accounts collection that have been satisfied with a  XXXX  balance that are just sitting there and not being deleted. Some of them were even deleted before and added back. I can not get any help from Experian and this is now affecting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.
Product: Debt collection

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter about a alleged debt of XXXX that i don't owe nor had any dealing with. i requested certain information as follows : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Mortgage

Specialized Loan Servicing, LLC has not had an operational website since my loan was transferred to them in XXXX 2017. As they refer you to their website to obtain information about your account it would seem logical the site would work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

citibank must delete the goodyear account or update the balance to {$0.00} because XXXX and XXXX keeps coming back as balance reporting correctly
Product: Mortgage

I have a mortgage with Dovenmuehle Mtg. Company My taxes are paid in full in advance for the year, I pay my insurance separately as in my contract. My payment has been XXXX per month as in my contract and I have never been late. Without any explanation my mortgage went up to XXXX No one can tell me why nor explain to me why. My mortgage is not an Escrow account. I am a Senior Citizen and on a fixed income and I am being taken advantage of
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Mortgage

I am working Key bank on a refinance of my property. This is a program in partnership with XXXX  under the Cash Offer option where XXXX funds a short term high interest loan which will be refinanced out of. Keybank commits to a aggressive closing timeline of 30-35 days and makes promises to close in the time frame. My re-finance took almost 60 days to close despite us providing document timely. Experience is both frustrating and added significant cost to our mortgage due to the high interest short-term loan.
Product: Checking or savings account

Previously I submitted a complaint to CFPB in early XXXX. 

In response, HSBC released my statements that HSBC did not allow me to examine when HSBC closed my accounts without warning in XXXX.

At one time, I had around {$200000.00} with the bank. 

The HSBCs response also reads : If you have any questions, please call me ( XXXX XXXX XXXX Customer Relations Manager ) at XXXX. Im available Monday through Friday, XXXX XXXX ET. Alternatively, you can reach me by email at XXXX. 

Despite my repeated calls and emails, to date, Ms. XXXX XXXX XXXX has failed to reply and explain the missing {$1500.00}. 

Releasing my statements nearly two years later has not resolved the problem of the missing {$1500.00}. 

Rather, this can be considered as a grand theft now. 

For nearly two years, HSBC had failed to send me the balance checks after closing my accounts.

HSBC also denied my access to my accounts prior to closing my accounts. 

As I have I indicated to Ms. XXXX XXXX XXXX, the missing {$1500.00} is related to my credit card reward redemptions and the Regulation XXXX claims. 

The ATM machine outside the XXXX, CA branch had serious issues before it was finally replaced. 

Please review the Regulation E claims at that branch, and Ms. XXXX XXXX XXXX will find a surplus ( at least several XXXX dollars, probably around a XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$XXXX}.
Product: Credit reporting or other personal consumer reports

Equifax placed some kind of internal block on my credit report/profile and I have requested several time for Equifax to remove any/all internal blocks, credit freezes from my credit profile./report asap.
Product: Credit card

I don't remember the exact dates, but it was last week when I attempted to email. However, my account has been blocked unjustifiably since XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I placed a XXXX $ deposit on a XXXX XXXX XXXX XXXX that I did not receive, nor could I get a refund from Carvana LLC. I spoke with a woman named XXXX who, upon canceling the sale of the vehicle, did not inform me that there was no answer as to how or when I would get the my down payment back.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Product: Mortgage

The complaint I am filing is a result of an ongoing PMI deletion request with Suntrust Mortgage. I followed all guidelines on how to submit this request. I did receive a timely appraisal ; however, the result of the appraisal I firmly disagreed with for good cause. The value of the home did not meet PMI deletion 80 % loan to value. After speaking with the woman who appraised my house she admitted that she missed a key comp which would have valued my house much higher to qualify for PMI deletion. She asked to me to rebut my finding to the bank and that she would redo the appraisal. I have since written 2 letters to Suntrust and spoke with multiple agents all who have blown this case off or denied my fact based information. They have now closed the case. I am essentially being pushed around by a bank who does not want to admit there was an appraisal error that could potentially qualify me for PMI deletion.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX BMO Bank XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Promotional Offer To Whom it May Concern : On or about XX/XX/XXXX, I applied for a Relationship Checking online in response to a promotional offer to get a {$400.00} cash bonus. I was unable to attach the promotional code during the application due to errors on the bmoXXXX website. The code was attached by Sans via telephone on XX/XX/XXXX. 
When the bonus did not post, I contacted XXXX via chat on XX/XX/XXXX. She stated that the code was not attached by the previous agent. She agreed to pay the bonus and waive the monthly fees. 
As of today, I have not been paid anything. 
Please pay the advertised {$400.00} bonus and refund {$75.00} in fees that were charged in error. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Debt collection

BLEIER & COX, APC ATTORNEY re-started the case on XXXX/XXXX/XXXX. They need to drop legal action due to California statute of limitation. It 's been over four years since the original file date ; XXXX ; ORIGINAL FILED DATE was XXXX/XXXX/XXXX. i do n't have any info on my last payment prior to XXXX/XXXX/XXXX with XXXX XXXX. XXXX XXXX said they will garnish my wages if I do n't pay the debt. I sent XXXX XXXX a letter via fedex received on XXXX/XXXX/XXXX. I wrote them informing the expired statute of limitation on the debt. On XXXX XXXX they filed the following after receiving my letter : XXXX/XXXX/XXXX - MEMORANDUM OF COSTS AFTER JUDGMENT ; ACKNOWLEDGMENT OF CREDIT AND DECLARATION OF ACCRUED INTEREST - LESS THAN {$100.00} FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - WRIT FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - PAYMENT RECEIVED BY XXXX FOR XXXX - WRIT IN THE AMOUNT OF XXXX, TRANSACTION NUMBER XXXX AND RECEIPT NUMBER XXXX.
Product: Credit card

I have a credit card with Lowes through Synchrony Bank. Recently, they have imposed a {$1.00} paper statement fee. How can a credit card company charge a fee for a document they are required to provide in writing to consumers- this is the definition of a junk fee. Passing a fee for a document credit cards are legally required to provide to consumers in writing under Regulation Z. If I do not have access to a computer, I will be penalized and charged a fee for something that credit card companies are required to provide to consumers. Please help me understand how legally you are able to charge this junk fee to consumers. Thank you very much.
Product: Vehicle loan or lease

GM Financial I paid off my auto loan on XX/XX/2022. They stated that it would take up to 17 days to receive the loan payoff. 
They confirmed on XX/XX/XXXX that the lien satisfaction/ payoff was mailed to my address of residence on XX/XX/2022. 
As of Saturday XXXX, XXXX, XXXX  The letter has not come. 
They send I can request a duplicate title via a web site, only after update and that takes up to be available, in this case XX/XX/2022. 
Please note this is a motorized document that they send USPS with no delivery confirmation or Tracking!??
Product: Debt collection

Commentity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


I

n accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/XXXX, I made a cash deposit at the TD bank XXXX XXXX XXXX in NY. The ATM took my money, however did not credit the account and said on the receipt " forced deposit {$2000.00} ''. It was end of day I went into the branch to complaint about what had happened with the ATM and my money, three TD bank workers were there and told me there was nothing they could do for me to wait until the ATM gets serviced and they would take care of it. I had no idea I had to do anything else. I trusted their word and off In Went. Two weeks pass and there was no money in n my account. I called the general customer service and they said that I was in supposed to file a dispute the day it happened at the branch. They opened the dispute and I waited for a week and nothing. I called the branch and was told the dispute was the wrong one and the right one was submitted. Three days ago I saw the XXXX on my account and the next day it was removed!. I called the customer service and they said their so called investigation was closed and that probably the ATM returned me the money. I asked them to show me the footage of the machine doing that because that never happened,!. They didn't even bother to look at the cameras. I challenge them to do that. Now the branch is saying for me to show them the ATM receipt when customer service can see the copy from the ATM they told me they could see what the receipt says. I'm getting the run around from this bank. Whoever serviced the ATM is pocketing my money since the branch is saying is not them. Please help me recuperate my hard earned money.
Product: Credit card or prepaid card

I've held Banco Popular 's XXXX XXXX Visa Card for a couple years. My annual fee for the upcoming year posted recently and I decided I no longer wanted the card.

Called to cancel the card and have the annual fee reversed since it is for the upcoming year ( XXXX ) and Banco Popular refused to credit me for the annual fee even though I am no longer holding the card ( it has been canceled. ) The annual fee posted on XX/XX/XXXX and the card was canceled several days after that. Further to this, Banco Popular is now charging me interest on the fee. 

Upon further inspection, I am not sure that Banco Popular has honored my request to cancel the card -- it appears to still be open on the online portal even though they confirmed to me over the phone that they had canceled the card.
Product: Debt collection

On XX/XX/2018 I was contacted while at work by XXXX XXXX. Our brief conversation was XXXX stating she is calling " regarding '' XXXX XXXX. She never stated where she was calling from nor who she represents and every time I asked her who she was she just stated she is calling in regards XXXX XXXX. When I asked what this was pertaining to, she kept insisting for me to give my personal information first before she will talk. I was very busy at work and because it was unclear of who she was and where she was calling from, I refused to give my personal information she was asking for. I told XXXX XXXX that I will contact her when I have some free time and not at work. A fax was then received moments later on our main office fax machine and was then delivered to my desk. The fax 's letter head states a company named F.H. CANN & ASSOCIATES located in XXXX XXXX, MA with a return of ATTENTION : XXXX XXXX xt XXXX. *Fax is attached* As of yesterday, XX/XX/2018 my HR department reached out to me stating that XXXX XXXX has contacted them, shared that I have a debt they are collecting and needed HR to give my personal information to her. When HR refused because there was not a court order, she stated " there will be. '' Whether or not the debt is legitimate, it is not acceptable for this company to contact me at work nor violate my rights, sharing my personal information and threatening my employer that there will be legal action. 

I want this to be on record and have this company stop violating my rights. If needed, I will seek out legal advise to insure that my rights are protected.
Product: Credit reporting or other personal consumer reports

i want reported accounts to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX