23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Capital One made an inquiry on XX/XX/year>. 

I hvae no further information about this other than it was not authorized, as I have never, ever done business with them or requested a loan or credit card from them. 

They were very unhelpful so i have no idea what this is about. I added a fraud alert. 

XXXX of the XXXX credit reporting companies are making me send a bunch of stuff in writing to them, including this.
Product: Credit reporting

I have been writing the XXXX credit agencies to remove the theft off my credit report i even hired attorneys to have incorrect moved and it stills remains which is effecting my credit score and effecting me from getting anything in my name which is effecting my life and my children life. I have file many complains for frauds on my account and still not actions have been made which is getting out of control. I also have things on my report that is pass 7 years old which should have been deleted and things thats not even mines. I filed dispute after dispute and even ask if they can investigate still nothing have happen. half of the addresses on my report i never even lived at. I have several accounts with XXXX, wi XXXX XXXX XXXX which is not mines. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX which is not mines. I will like someone to investigate to see is using my name and ss XXXX
Product: Credit card or prepaid card

Called Capital one XX/XX/2019 they called me back XX/XX/2019 not resolved. 

Step 1 : What is this complaint about? 
This complaint is about Capital One Promotional Credit Cards Offering additional Bonus of {$150.00} to {$500.00} Dollars after using {$500.00} to {$1500.00} with the new credit card with in the first 90 days. 
They offer you the promotion on one web page and when you apply apparently it takes you to another location where you are pre-qualified and without your immediate knowledge you continue the process thinking you will be receiving this bonus and it turns out that when the page switches you no longer qualify for the bonus. Or this is what was explained to me. 
Regardless this is deceptive and should be unlawful Step 2 : What type of problem are you having? 
Deceptive tactics being used to lure clients and prospects to apply to new credit cards and the company is getting away without fulfilling their initial commitment. 
Step 3 : What happened? 
I was lured by a promotion on a capital one web page and applied, got approved and some were in the process the promotion diapered and capital one is not responding for their maul practice. 
Step 4 : What company is this complaint about?

Capital One Step 5 : Who are the people involved? 
My Self, XXXX XXXX, My wife XXXX XXXX XXXX XXXX, and Capital One.
Product: Debt collection

RECEIVED LETTER THROUGH THE MAIL ADVISING OF DEBT OWED. NO VERIFICATION OF THE VALIDITY OF THE DEBT.
Product: Money transfer, virtual currency, or money service

Coinbase Inc may be a " conduit '' to credit card fraud. 
It allows account members to use stolen/fraudulent credit cards for transactions. 
In my case, Coinbase allowed one of its account members to conduct eight fraudulent credit card transactions within a few minutes totalling over {$400.00}. It could have been much more if I did not contact my credit card company. The first three transactions were small amounts ( i.e., {$1.00}, {$1.00}, {$1.00} ) and the next 4 transactions were in {$100.00} increments. 
Coinbase should have been aware that these transactions look very suspicious and should have suspended these activities with the account member. 
It is interesting that a company that deals with virtual/digital currency ( Bitcoin ) allows its account members to use " real '' money to conduct fraudulent transactions ( buying Bitcoins with stolen/fraudulent credit cards ).
Product: Mortgage

I had originally applied for a refinance with Amerisave mortgage corporation on XX/XX/2019. This refinance was denied. I was texted by representative from the company on XX/XX/2019 stating that he felt horrible about loan not getting approved and had escalated the review of file and has approval from his team to close the loan the way we set it up initially. This was going to be a quick approval and that all I needed to do is sign the new disclosures. No appraisal would be required as initial appraisal would work since it was done with prior loan application. I was in the process of working with another lender and stopped that process as I was assured this was a " sure thing ''. The refinance application was submitted on XX/XX/2019and I was assured I would not take more than a couple weeks. I was given initial set of disclosures with a closing cost of {$8600.00} on an {$160000.00} loan. This is well above the average closing costs for a home loan of this amount. Then on XX/XX/2019 I was given another disclosure where the closing costs had shot up to {$10.00}, XXXX dollars making the loan amount now {$160000.00} dollars. The VA denied the loan based off of the points and recoup. I have read several reviews on this company and have found countless people that have been put in the same situation as I am currently in. This company is making false statements in order to get people to invest money and time with them only to be denied. The XXXX loan denial I was ok with as sometimes the numbers just do not meet up. The XXXX denial where I was assured it was a sure deal is false and malicious in nature and companies should not be able to conduct themselves in this manner. I have communication from the company and its representatives that states it was approved, that I would be more than happy to share. This has delayed my process with another company that I have worked with in the past and put my family in a bad financial spot as I was told to skip a mortgage payment as this one would close before it was do. This company can not continue to do this to people.
Product: Debt collection

I was checking my credit score when I saw a company named I.c. System, Inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. I haven't even received any type of communication from them.This company has ilegally damaged my credit score. I need this collection account removed from my credit report immediately.
Product: Debt collection

United Recoveries called my home today in an attempt to collect a debt allegedly owed by my mother-in-law. My mother-in-law has NEVER lived at my home and United Recoveries called just to get information on her. Although the call was from United Recoveries, the phone number they called from, XXXX, displayed the caller ID of " XXXX XXXX '' an unrelated company in a clear attempt to mislead me. Also, United Recoveries recorded the call prior to obtaining my consent and peppered me with question immediately in an attempt to distract me from the statement that they would be recording the call.
Product: Money transfer, virtual currency, or money service

In late XX/XX/2022 my phone was hacked. Resulting in my XXXXXXXX XXXX  app being hijacked and XXXX of checks deposited, funds transferred to Cash App, Bitcoin purchased and sent to bitcoin wallet outside of Cash app. After this occured every check that was deposited was returned for insufficient funds. Since i had my XXXX account for so long the checks were immediately deemed good funds. XXXX has found in my favor deeming transactions to be fraudulent and processed chargebacks to Cash app. Now despite many attempts to resolve from XXXX to current asking what the next steps are if i continue to disagree, they have been very difficult to get any help. Cash app is still saying im responsible for the negative balance of {$5800.00} i have logged 3-4 cases asking for assistance, but noone has offered any resolution. Im a 100 % XXXX veteran and this is causing a lot of extra XXXX, as i have tried to resolve through cash app customer support. 
User id XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, wi XXXX XXXX. Please call me @ XXXX if you need more information to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax has listed a medical bill on my account of {$130.00}
Product: Credit reporting or other personal consumer reports

The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.L XXXX XXXX XX/XX/2024, XXXX XXXX  XX/XX/2024 I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

On XX/XX/XXXX, we received an e-gift card master card for {$150.00}, we only used it once and still has a reminding balance of {$38.00}, but it is impossible to use the remaining balance, it is because an e-gift card, we only are able to use it for the online transaction. 

1 Initial Decline for Utilities Bill : The e-gift card was declined when attempting to pay a utilities bill of {$38.00}. The utilities company was unable to provide a reason for the decline. 

2 Instacart Transaction Decline : The card was also declined when trying to use it on XXXX for a total of {$34.00} ( including a {$3.00} tip ), even though the available balance on the card should have covered this amount. 

3 XXXX XXXX Order Cancellation : An attempt to use the card for a {$36.00} merchandise purchase at XXXX 's resulted in an order cancellation due to a card error. XXXX 's refunded the {$36.00} back to the card. 

4 Unresolved Refund from XXXX XXXX : Despite XXXX 's refunding the {$36.00} on XX/XX/XXXX, the card company is holding the money for 30 days and the amount still needs to be returned to the e-gift card. 

Inaccurate Explanation from Card Services : When contacting the card services number ( XXXX ) at least 5 times and they do not solve it, they claimed that the XXXX amount exceeded the available balance, which is not valid according to my records and evidence. They are unable to explain why I cant use it on utility companies and Macys. 

The desired resolution, which is to have the remaining balance of {$38.00} refunded to me in a check, the e-gift is a scam and we do not trust them anymore, and to address the stress and inconvenience caused by this situation.
Product: Money transfer, virtual currency, or money service

PNC not allowing me to upload funds to XXXX  account
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX, my XXXX XXXX XXXX was repossessed without my knowledge. I was not told beforehand after I made a payment on XX/XX/XXXX. When, I called in regards to the matter, was told that I had to pay {$2000.00} to retrieve vehicle. This included {$680.00} for towing fee and storage fee. I was, also, told that there was no record of my payment of {$250.00} on XX/XX/XXXX and that I was several months behind, although, I've been on a " every XXXX weeks '' payment plan and have record of payments made through several accounts. This was after my contract was illegally sold to a debt collector, although my contract wasn't in default when sold.
Product: Credit card or prepaid card

This is my third time opening a complaint via CFPB about the same problem : Goldman Sachs Bank continues to claim I owe additional money to them on an XXXX XXXX XXXX. I purchased an XXXX XXXX XXXX from XXXX in XXXX, XXXX via the XXXX website. I was offered 0 % financing on the XXXX XXXX at a purchase price of {$990.00}. The financing agreement was for XXXX payments at either {$82.00} or {$83.00} with tax. I have already provided Goldman Sachs with records of the payments I made, starting in XXXX, XXXX. I provided them with a list of all the payments I made via my bank in XXXX XXXX, totaling the purchase price of {$990.00}, in an Email dated XX/XX/XXXX. Goldman Sachs has not been forthcoming and has not acted in good faith in attempting to resolve this problem. They contacted my bank without informing or asking me about doing this. In every way, they have acted aggressively rather than in good faith. 

Instead, Goldman Sachs has apparently applied some of my payments on the XXXX XXXX to other items in the XXXX XXXX app. Items like my XXXX storage ( memory ) and XXXX XXXX are deducted directly from my bank account ; so my payments to Goldman Sachs should not be used to pay for such XXXX related expenses. Yet Goldman Sachs continues to harass me, claiming I owe additional money to them. At first their demands were for something like {$64.00}, then grew to {$140.00}, and now Goldman Sachs demands that I pay an additional {$140.00}. Despite having had open complaints filed with CFPB, Goldman has not acted in good faith. Instead, they are reporting me to credit reporting agencies, contacting my bank, and they recently have threatened me with court costs, attorney fees, and billing me for the hourly wages of attorneys or collection agencies fees. 

I am afraid that, even if I pay Goldman Sachs the newest demand, for {$140.00}, they will continue to harass me and fabricate new charges and fees they claim I owe them. They say to contact an Apple Card Specialist, which I have done at least a dozen times. Each time it is like starting from scratch, because the Apple Card Specialists have explained to me that no records are kept of what was discussed or agreed to on the phone calls. I also shall go to my bank to verify that my records from my monthly statements are correct. 

Under threat of legal retaliation, attorney fees, and billing for hourly wages, I feel coerced into paying Goldman Sachs to avoid such punishments for objecting to their outrageous, unprofessional behavior related to this small amount of money. I have never defaulted on a loan or missed payments on a loan for a car or a home ; why would I default on a loan for a computer? Yet I feel blackmailed into paying their demands to avoid owing whatever they may claim I owe. I shall pay the {$140.00} only if Goldman Sachs guarantees that, once I have paid that amount, they will cease and desist adding new charges that I supposedly owe. I shall never again finance an XXXX product or anything else through Goldman Sachs.
Product: Checking or savings account

The opening bonus in the advertisement said 10 transaction in 60days. But it didn't clearly state what transactions qualify. In the website, it didn't show either which transactions are qualified transactions.
Product: Bank account or service

I AM SUBMITTING A COMPLAINT ABOUT DISCOVER BANK ONLINE. 
THEY DO NOT REQUEST ANY FORM OF ID TO OPEN A BANK ACCOUNT WITH WITH THEM AND SOMEONE FRAUDULANTLY OPENED A BANK IN MY NAME AND STARTING WRITING OUT FRAUDULANT CHECKS AND BOUNCING THEM. THEY SHOULD REQUIRE A LICENSE AND A UTILITY B BILL BEFORE OPENING ANY ACCOUNTS AND THIS WOULD NOT HAVE HAPPENED. THEY EVEN HAD THE WRONG MIDDLE INITIAL
Product: Debt collection

XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, according to https : //www.equifaxsecurity2017.com, I believe I am a victim of the XX/XX/XXXX Equifax data breach ( announced XX/XX/XXXX ). I have never personally signed up for their services ( i.e. getting a credit report ) but I have had credit reports done because I have applied for student loans, apartments, and credit cards so likely one of those used Equifax to check my credit. On XX/XX/XXXX, I checked the equifaxsecurity2017 website to see if I was impacted and it said I was potentially impacted ; however, I have not signed up for their free credit report service offered. 

So far, on XX/XX/XXXX, I have put an initial 90 day fraud alert via XXXX and checked my credit report via XXXX via XXXX. I will be putting a security freeze on my accounts, including via Equifax, either later today or tomorrow. 

Equifax has mishandled my information, and many others, which had put millions of people at risk. This is especially aggravating since I have never personally used any of their services and did not choose to do business with them. So far, I am extremely disappointed about the ways they 've handled the data breach ( taking one month to report, the arbitration clause on their equifaxsecurity2017 website etc. ) and only discovered the news because my professor talked about it in class on XX/XX/XXXX. Equifax did not notify me that my data was breached and did not inform me how to remedy the situation, other than that I was potentially affected and could sign up for their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX CORPORATION CONTINUES TO REPORT A BUSINESS CARD OPEN AND USED BY A CORPORATION AS MINE. DESPITE NUMEROUS LETTERS AND CALLS THEY CONTINUE WITH NO PROOF TO CLAIM AND REPORT IT AS MYCARD. 

AMEX CLAIMS CHARGES, PAYMENTS, CREDITS WERE BY ME. 

DEBT COLLECTORS REFUSED TO PURSUE ACCOUNT AFTER SPEAKING WITH ME AND REALIZING AMEX HAS LIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXXXXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Payday loan, title loan, or personal loan

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from XXXX XXXX on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I previously submitted this complaint and no resolution was reached.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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