23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX : received a marketing letter from XXXX XXXX Bank inviting me to apply for a 0 % intro APR on a balance transfer for 18 months. 

XX/XX/XXXX : I called the number as directed on the letter XXXX, provided my confirmation code XXXX. I communicated that I was excited as I had a {$10000.00} XXXX balance that I wanted to transfer. The rep advised there was a 5 % balance transfer fee I would incur and that I would be responsible for my XXXX payments, until I received my new card from XXXX XXXX Bank. I provided her with the exact amount to transfer of {$10000.00} and I asked for the number to call in case I changed my mind - she provided me with XXXX and advised I had to do so within 48 hours. At no time did she say anything about NOT being approved, or this only being an application. So, I waited for my new card to arrive with a {$10000.00} balance. 

I received a letter on XX/XX/XXXX, that was dated XX/XX/XXXX about " my new card '' communicating they are unable to process my balance transfer request at this time because of insufficient funds. I called the number provided on the letter XXXX and spoke with XXXX ( conf # XXXX ) about this. She said I only had a {$2000.00} credit card limit. I was confused and explained that I did a balance transfer of $ XXXX on the phone on XX/XX/XXXX. She said that I would need to take it up with the bank because I only have a {$2000.00} limit. It went in circles. 

I called XXXX XXXX Bank in XXXX, WI and spoke with the regional manager XXXX. She communicated that she would call Elan to figure out what happened and file a complaint. I communicated that if the balance transfer was not happening, I did not and still do not want this credit card. I do not know if this happened. 

This is very misleading. They sent me an open credit card for {$2000.00}- which I did not want nor ask for. I asked for a balance transfer. 

I called Elan XXXX XXXX on XX/XX/XXXX ( today to ensure the card was not active ). I learned it was still opened. The lady asked me if I wanted to close the credit card - I told her I never wanted it and asked if closing it would impact my credit score. She said she didn't know and that I'd have to contact the credit bureau. I told her to close it. She had the nerve to ask if I was sure because I have no interest until next year. 

Very bait and switch. Very disappointed.
Product: Credit reporting or other personal consumer reports

I was contacted multiple times i let them know this was not my account. this is a fraudulent account. I have filed an IDT. I asked for information on the debtor full name DOB last four of social they wouldnt give it to me
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently pulled my credit report and noticed that this company has reported inaccurate information on my credit profile. This company shows that as of XX/XX/2021 through XX/XX/2021 there was a consistent XXXX late payment. The payment history shows to be inaccurate. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. There's no way that each month there should still be a late " XXXX  day '' payment which I believe were reported in violation of federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies, I am formally demanding the immediate removal of these erroneous late payment records from my credit report. Upon reviewing my credit report, I noticed several late payment notations listed on my account that inaccurately portray my credit history. I maintain that these late payment entries are erroneous and in direct violation of 15 USC 1681s-2. According to the relevant federal law, furnishers of information, such as SYNCB/CARE CREDIT, have a duty to provide accurate and complete information to consumer reporting agencies, including the timely and proper updating of consumers ' account information. 
Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : 1. Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies.

2. Duty to Correct and Update Information : If the furnisher discovers that information, they previously provided was inaccurate, they must promptly correct and update that information.

3. Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information.

It is evident that SYNCB/CARE CREDIT has failed to
fulfill its obligations under 15 USC 1681s-2 , resulting in the inclusion of false late payment records on my credit report. These inaccuracies have profoundly impacted my creditworthiness, limiting my credit access and causing undue financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX  along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.
Product: Credit card or prepaid card

This complaint is regarding fraudulent transactions that were made by someone residing in another state on my Direct Express Debit Card on which I receive my Social Security payments.These transactions occurred on XX/XX/XXXX, XXXX, and the XXXX, 2017. I contacted the company and advised them that I had not made these purchases, as I reside in a different state, and have never visited this particular state, and my card was currently in my possession. The amount on the XXXX was for {$2.00}, on the XXXX it was for {$32.00}, and on the XXXX, there were 3 separate transactions ; one for {$150.00}, one for {$250.00}, and one for {$42.00}. The total of all these is {$480.00}. I attempted to dispute these transactions in the manner the company advised me too, but it took 15 attempts to even speak to someone in the fraud department. After I was able to reach someone I was advised that I would have to wait for the charges to clear before I could dispute them. I waited until they showed settled on my account, called back, heard the same " we are experiencing heavy call volumes, try your call again later ''. I heard this at least 10 times AGAIN before being able to speak to someone. I was told that a form would be mailed to me and once I filled it out and the transactions were checked into, I would have my money back. I filled out the form and FAXED it to them. I called to see where my money was and they said they just got the form! That 's not true as I have the confirmation sheet that it was sent successfully. I spoke to a lady by the name of " XXXX '' and she gave me her extension. I called back to speak with her as she informed me that I could on the last time we spoke, only to find out that she had been fired. I 'm not a rich person and I need my money back. This company is not a good one at all. i XXXX them and was horrified to see how many people are in the same position that I am in, and have n't gotten money that was taken from them years ago. Direct Express needs to be held accountable for what they are doing to people on Social Security, XXXX, and other government benefits. If this card is FDIC insured, i as well as these other people should have had their money back by now. This card is NOT safe, its not secure, and its not a good choice for people who receive benefits of any kind.
Product: Credit card

On XXXX  the XXXX of XXXX my vehicle was broken into and personal records, documents, cards were stolen. A police report has been filed and insurance has been contacted. I got a email today XXXX XXXX that a credit card was opened in my name. 

Someone has been using the documents to gain my identity and used them to open credit card accounts in my name without my knowledge.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am still trying to recover my money from Capital One, I've been a customer of theirs for years but they allowed a fraud to occur even after XXXX tried to stop it. I'm out {$2700.00} and this company does not care. 

I paid a seller on XXXX app with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX XXXX  I paid {$2700.00} for. XXXX put a hold on the funds, while they investigate. I got impatient and scared, reached out to capital one for help. They denied my dispute and had XXXX release my money to the scammer. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} because they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer. 

I need capital one to reach out to me and resolve this.
Product: Credit card

I have applied for the XXXX SCRA act multiple times through Capital One. I am XXXX/a resident of Louisiana. Because of this I am eligible by law to receive a 6 % or lower interest rate and refund on all interest charged over 6 % even if I opened the credit card after starting XXXX XXXX XXXX. Despite this I keep getting denied my owed benefits. Below I have attached all the documents required as proof of my XXXX XXXX  and location of my station in Louisiana.
Product: Mortgage

XXXX XXXX  XXXX This company has caused me undo health and XXXX XXXX from the time they became new servicers in XXXX of XXXX. Please I beg you help me get this paperwork in and accepted I am so sad and scared as a XXXX  alone without help. 

The XXXX XXXX attorney XXXX XXXX has sent me the proper paperwork for the past XXXX months to show I am the owner and Trustee of the home. According to the attorney Mr Cooper Rushmore Servicing ask for a Will, which has nothing to do with a home in the Trust thus they are overreaching where they should not and using this as an excuse to not accept me as the new owner. I sent them death certificates the entire Trust and the Acceptance of the Trust as well as my drivers license with my home address of the house on it. 

Due to the fact they seem to not accept me as the owner of the home in the Trust but only have me as a person of decision making they are causing me to loose ability to change the loan, defer, forebear, or even make payments with ease on the Internet which I am not allowed to have the ability to do. 
This scheme as such is causing the home to be too close to default. 

They sent a form in which I am not sure will alleviate the problem but I filled it out but am not sure what to do next as I can not seem to speak to anyone who will tell me. 
Please I bweg you XXXX XXXX agent help me I am so stressed for the past 7 months.
Product: Bank account or service

In the past XXXX months, I had signed up for a CITIGOLD Checking account through a promotion where I was to receive XXXX Thank You points from CITI by XX/XX/XXXX. This promotion was under promotion code : XXXX. The promotion required me to meet some basic requirements, which I clearly did and this was confirmed on multiple occasions by CITI Gold phone representatives. The promotion was confirmed on multiple occasions over the phone. In addition, my wife XXXX XXXX also applied for the same Gold checking account and the same promotion. She has received her points. 

In addition, I was clearly told that this account had XXXX monthly fees. I was told there was no minimum balance requirements etc ... no monthly fees at all. 

Now Citibank is telling me I did not sign up for the promotion and I just noted that they have charged me {$30.00} for the last three months, totaling {$90.00}!!! 

This is fraud and is not correct. I have been a Long time CITIBANK customer and this is flat out wrong. This needs immediate correcting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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

Dear team I have used amex card more than three years later on want to close my card called multiple time and request to close the card after one month finally i close the american express credit card on XXXX XX/XX/2021 also i have received mail from American express your account has beed closed you can trash the card so that i follow the same. Also i check on the normal XXXX report like a XXXX  its shows account closed then after couple of month XXXX they called me they said in your XXXX there was the transaction of one lak and i explain them i closed the card on XXXX month itself how its possible and they told you are the responsible the card payment orelse you can diapute to the customer we can claim from vendor. 
I told them unneseecory with out anything i cant complaint to vendor. 
Now they hit me in cibil score paymnet pending from XXXX and XXXX month. 
My question is if when i close the card that time was no pending Payment they clear everthing. 
Now they are coming with big amount of one lak. 
Can't accept this fraudlent from american express.
Product: Debt collection

This is the second statement in the mail, I have received from XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX, telling me I owe {$10000.00} since XX/XX/2021. I called them 6 months ago to inquire about the letter, and they asked me for my name, dob and my address. I didn't share it, knowing this was fake. I asked repeatedly where this company was based, since it wasn't at my house, and I told them so. The person repeatedly told me to send the letter back, return to sender, if it wasn't for me. My name is no where on the statement, but my home address is. I clarified several times, that they wanted me to return the statement, return to sender, even though they were trying to collect money. Finally they hung up on me.
Product: Checking or savings account

XXXX  XX/XX/year> I have a Regions Bank checking and savings account for over XXXX yrs, The Region 's banking branch in XXXX XXXX, Fl. I my bother asked me to cash his SSI check {$910.00} he was with me and we both provided the back teller our ID. The bank teller refused to cash the check and went to the manager in the back and also refused. I never had any issues before cashing my brothers check. 
Please have this case investigated. the assistant manager her name is XXXX was very rude and not professional at all telling me to have a 3rd party cash this check. She stated they have problems with XXXX  checks. If that is the case then us have a problem in the XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Continental Credit Control. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item Continental Credit Control is inaccurate because the balance was paid to the vendor and 2 months before they contacted the credit bureaus. This is totally illegal as I received nothing from them and have tried on numerous accounts to contact them and they have not responded. For a few lousy bucks they received, or didn't, they affected my credit and didn't contact me ever. I am requesting that Continental Credit Control have the item removed. It is invaid and incorrect, they have inflicted fraud on my account. 
Enclosed are copies of my credit report and payments made supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, CR, and paid invoice to Vendor paid in XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called because I knew I was going to be running behind and have trouble getting caught up with the one delinquent payment. Kia Motor Finance agreed to extend one payment to the end of the loan. I paid a fee on the phone and they sent an agreement to be signed and returned. The agreement was mailed on XX/XX/XXXX. I received it XX/XX/XXXX. My husband and I both signed it and returned it by both fax and email on XX/XX/XXXX. It was never applied. I have continued to make payments believing they were timely based on one payment being moved to the end of the loan. On XX/XX/XXXX, I had also asked that my cell phone not receive dialer calls and advised that manual calls were acceptable. I never received communication that my extension was not applied. I applied for a license for my business and it shows a delinquent credit bureau reporting and that was is late on the credit bureau is the amount of the late charges on the account, not a full payment. It is my understanding that late charges can not be reported as delinquent on a credit report, only actual payments. They did begin to also call me again on my cell phone by dialer. I called them earlier this evening and spoke with XXXX, XXXX, who has now removed my number. She said they had received the documents but had not called or sent a letter that it was closed prior to my receiving the extension and they would not honor the extension and as it had been closed, again prior to my receiving the letter. Attached below is the copy that I had also emailed to myself for records and the email time stamped at XXXX XXXX. I sent it as soon as I was able to at work that day. I request the late charges be removed, the credit corrected and the extension applied to my account effective XX/XX/XXXX when the documents were returned.
Product: Credit reporting or other personal consumer reports

I checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed XXXX, Equifax, and XXXX ) checked my equifax credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed XXXX, Equifax, and XXXX ) checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint labeled XXXX, Equifax, and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard inquires are showing up on my Equifax credit report. They are both dated XX/XX/20. Neither of the named entities had authorization to pull my credit report and I want these two hard inquiries removed. I also want the personnel responsible for initiating these two hard inquiries prosecuted since this is a violation of the FCRA. The two hard inquiries at issue are : 1 ) Credit Inquiry - XX/XX/2020 - XXXX XXXX AND 2 ) Credit Inquiry - XX/XX/2020 -   XXXX XXXX XXXX I did not authorize either of these entities to do a hard ( or soft ) inquiry on my credit file. When I attempted to submit a complaint through the Equifax website, it would not accept my complaint and instead an error message came up stating that it could not confirm my identity ( so it wouldn't accept my complaint ) even though I answered all of the verification questions correctly. All of the verification questions dealt with non-existent accounts. 

This complaint should be split into two, one for each unauthorized creditor listed above ( XXXX XXXX and " XXXX XXXX XXXX '' ).