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

To whom it may concern, I am deeply frustrated and concerned that I will not be able to buy a house because of Equifax. I have tried applying for a mortgage through two companies and both have had to close my application due to the lenders ' inability to pull my credit report through Equifax.

I was preapproved by both lenders and my information was received easily from XXXX XXXX and XXXX. However, neither lender has been able to access my credit report through Equifax. They received several error messages from Equifax stating " insufficient information '' or issues related to my address. I have called Equifax four times ( XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX. I verified all of my information with Equifax and still neither lender has been able to pull my report. I even requested a copy of my credit report to further check and all of the information is accurate and the same as what was provided to the lenders. Each agent at Equifax expressed that there is no reason my report would not be able to be pulled ; they denied any freezes, fraud, or concerns on their end. 

I submitted one complaint through this CFPB portal on XX/XX/XXXX and Equifax did nothing and closed the complaint. I called Equifax three more times since filing the complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to agents in the consumer complaint department and all three brought in supervisors to try to fix this problem. Nothing has worked.
Product: Credit card or prepaid card

XXXX XXXX XXXX VS XXXX XXXX DEBT CARD XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I lost my card. Tried to report it that night but couldn't get through to bank due to high volume of calls. on XX/XX/XXXX called cancelled card reported it lost and was told charges were pending to call back in two days to dispute charges which I did. Received paperwork four days later with the XX/XX/XXXX being deadline. I returned packet with a police report filed and notarized. was told by post office packet would be received by the XX/XX/XXXX at the latest. the bank claimed not to received it till the XX/XX/XXXX. I called several times for reimbursement on unauthorized charges and was told I had to wait on pending investigation. on XX/XX/XXXX I received letter from bank stating they had conflicting information and could not confirm fraud and for me to report it to police and work with merchant. I then tried to get paper work on this decision and was giving a phone number to call for XXXX XXXX at Fraud dept. This number is a voice mail only number. My card was found and used for a total amount of {$400.00}. I have done everything by the book. This bank did not honor the liability policy and as far as I'm concerned called me a thief and liar. Upon researching the bank I discovered this is the banks common treatment to costumers disputes. The US Dept of Treasury contracted with this bank for goverment payments to provide extra protection for its clients. People were able to use the card with no problems, where is the protection. I am a representative payee for my son whom lives on the SSI payment of {$750.00} a month. I accept responsibility for losing the card. However it is not right to just accept a XXXX loss due to unauthorized transaction that I'm sure there is video tape of. My pin was not used and we should not be held liable. In order for this matter to be resolved with out my filing of court I would like to see the bank follow policy with respect to federally insured money, consumer protection act and replace the funds back to the card. the dispute claim number with the bank is XXXX. the XXXX police report number is XXXX. I would also like to see the US Dept of Treasury and Fiscal service review this banks treatment of clients and considered a new contract with a more reputably bank. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit card or prepaid card

In early XXXX I filed a fraud charge for 3 separate transactions. I had bought digital currency online through XXXX with my debitcard. I called U.S. Banks customer service line and they submitted the fraud charge. The person had sold me something they stole from someone else and I had to return it the person it was stolen from. Multiple employees said over the phone that what happened to me was Fraud. My mother ended up passing away and I took off for 2 months because I didnt want to be around the house she was found in since I lived there to. When I returned I saw a letter saying they denied my Fraud claim because they were missing paperwork they sent out. The only paperwork I had in my stack of mail when I returned was a letter from them saying they denied my claims because they were missing paperwork I never received. I called them over the phone and spoke to someone who told me the same thing that was in the letter and they said they were going to mail out a replacement. They never mailed it out and the next thing I got was a collections notice. I called them again and they said a case supervisor would help me with in 24-48 hours and 5 days later no one has still reached out to me. I spoke to multiple people with the company who agreed that what happened was fraud then i spoke to one supervisor who said I was scammed and thats not the same thing as fraud. Even though multiple other employees admitted it was and it was their mistake I didnt receive any paperwork. I even read the definition of Fraud to this supervisor and she still would say I was scammed and say theres a difference between being scammed a defrauded... The supervisors name was XXXX and they can check the call logs for this and for everyone who was suppose to do what they said they were going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, an inquiry was made by Capitol One and XXXX XXXX Dealer S that i did not authorize or recognize.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSO AN ACCOUNT THAT IS NOT LATE, A LETTER OF EXPLANATION IS ENCLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity
Product: Credit reporting or other personal consumer reports

This all has to deal with a XXXX XXXX that I originally filed a complaint about ( XXXX ). XXXX has since then given me access over the vehicle I leased and I can finally physically gain access to the car I leased in May. 

My issue now is with XXXX XXXX, who is handling the lease. My issue is that for whatever underlining problem there was with the XXXX, XXXX had the same problem where my info was intertwined with someone else info where I could not create an XXXX online acct. to make payments. This went on for months until they asked that I mail in a check of which I did on XX/XX/XXXX. Around XX/XX/XXXX, I was finally able to create an account where I quickly made an online payment since the check I sent was still not posted and somehow Ally ended up taking around {$1600.00} and the check amount all at once. 

After this error, I have requested a refund, of which I spoke to XXXX at their Call center ( emp. ref. XXXX ) and she said it would be 10 days. 

The huge issue is that XXXX has reported to the credit agencies that I was delinquent on payments over the time I was unable to resolve the account issue with them. I have spent hours on the phone since XXXX to resolve whatever it was that wouldn't allow me to create an account and now I have my first delinquent payments in decades because of them. 

I need them to remedy this as it was not my fault their was some error on their end that I couldn't make payments but the second I can, they collect over {$2400.00} at once.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Transunion, XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/ MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}
Product: Checking or savings account

I am a new customer to Capital One when I signed up for this {$500.00} bonus offer : XXXX  XXXX   XXXX " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' I deposited over {$50000.00} dollars within the time allowed. Within that time, I also withdrawn that money as well. 

Here are the times of those deposits : XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$7000.00} XX/XX/XXXX - {$8000.00} XX/XX/XXXX - {$9000.00} XX/XX/XXXX - {$8000.00} XX/XX/XXXX - {$8000.00} Total of {$50000.00} deposit. 

I called Capital One twice on XX/XX/XXXX which over 60 days from my last deposit to find out why I have not received my {$500.00} savings bonus. 

Both reps claimed that I needed a balance of {$50000.00} or one deposit of {$50000.00}. That is not in terms I agreed to. There is nothing in the terms about having a balance of any amount besides earning 2 % on {$10000.00} or more. Also, there is no clear indication that only one deposit worth {$50000.00} would qualify for the bonus. Especially when most banks do not allow that much to be deposited to an external account on one transfer without fees and paperwork. They refused to credit my account {$500.00}. 

Capital One is trying to pull a fast one by changing their terms to fit their needs while trying to make money off consumers.
Product: Credit reporting or other personal consumer reports

XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their XXXX department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. Experian said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

-- INSTALLMENT LOAN -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2022 I inadvertently transferred on line {$26000.00} dollars to my bank of America credit card instead of to my checking account. It should be noted that I had not used that credit card in probably over 1 year. When I called bank of America I was told it would be credited back to my checking account. I have called 4 times and every time I am told they are putting the money back in my account. When i spoke to a representative on Monday i was told i could write out checks and the money would be put back in my account by Thursday. The money is still not in my account after 19 days. I spoke again to bank of America representative today and now being told 7 more business days. They have repeated lied to me. Thank XXXX they tape the conversations so you should be able to document the lying. I want my money back.
Product: Mortgage

I was transferred to a new servicer Carrington mortgage services. 
As soon As I contacted them they stated you are in collections, for a debt. 
So, get a letter today stating you are in default. I just made XX/XX/XXXX. 
Today. XX/XX/XXXX. 
I submitted documentation to them back on the XXXX of XXXX, showing that primelending had mad mistake and found them during post audit. So they pay on principal, never showed me where and amount. 
However XXXX XXXX, complete. 
Again XX/XX/XXXX determined errors. 
They transferred me XXXX with all the errors, and they decided to raise house payment, with taxes 100 % XXXX veteran. Ignored me for two years, finally noted no, taxes. 
Then the up the insurance to {$3300.00}. 
Annually, And I set it up to make my insurance payments, they Ignored me. 
I called the insurance company, they said there on the deed and they can pay them. LAST year they raised them to the highest premiums amount. I Paid them that year premiums on monthly income. 
Then XXXX excepts the Annual payment in a reduced amount from XXXX, and XXXX XXXX {$2600.00}. Annual. 
Like I said they are using AI TO GENERATE FEES, ANY WAY THE CAN EVEN BEING CREATIVE, OR JUST IGNOREING ME already starting on the wrong foot when telling me this is a attempt to collect a debt they just transferred to Carrington mortgage. 
Where's the 60day moratorium?

There isn't one.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been contacted by me several times by certified mail in regards to their continued illegal reporting of inaccurate information and accounts. TransUnion continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. TranUnion has untruthfully stated that they can not grant my request because it was " illegible '' when in fact they have recieved several " Typed '' corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. TransUnion continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified as accurate and most do not exist. TransUnion continues to seek information from a third party vendor " XXXX '' and report information from this vendor as " acurate '' when in fact this third party vendor has also been asked to " cease and desist '' in sharing unathorized inacurate information about me. Both TransUnion and XXXX are illegally collecting and providing information that was not authrized by me and I am now due remedy for each violation in accordance with debt reporting law.
Product: Credit reporting

I 've tried multiple times to get my annual credit report from equifax. I 've gotten my reports from XXXX and XXXX without a hitch, yet every time I attempt to get my report from equifax at the verification step it has references to loans/cards that have nothing to do with me. Selecting none of the above for each one of these causes a failure in identity verification ( again, on equifax only, I had no issues whatsoever with XXXX or XXXX. ) and tells me to MAIL ( yeah, sending sensitive information through the mail is a really good and secure idea, there ... ) copies of payroll stubs, ect. This same thing happened last year ... If there was a case of identity theft I 'm sure it would have shown up on my other XXXX reports, which it did not. Why is such a group of incompetent ( and ignorant from what I 've gathered over the web, since I 'm not the only one experiencing this ) morons in charge of peoples credit like this? It seems the easiest course of action with them is to subscribe to their service to remedy this, which seems an awful lot like bate and switch, which last time I checked was still illegal ( not to mention immoral, not that today 's businesses readily practice moral or ethical means of operation ). They are screwing over MANY Americans on a daily basis with these practices and should be shut down until they can get their heads out of their butts and shape up, yet these are the people in charge of our credit. This makes as much sense as a chocolate teapot ...
Product: Mortgage

On XX/XX/XXXX, I made my defaulted mortgage current by paying {$41000.00}. 
Once my account was reinstated, I made XXXX consecutive monthly payments in full of {$3500.00} each on XX/XX/XXXX, XXXX, and XXXX for a total of {$14000.00}. This made my mortgage paid ahead through XXXX of XXXX. 

On XX/XX/XXXX, BSI Mortgage called me and told me they no longer allow payments ahead of more than 60 days and would not refund me the additional 2 of 4 payments I made. They offered to pay down my principal, which I did not want. I am self-employed, do not get paid regularly, and do not have any income coming in for the foreseeable future. 
I expressed to them that by taking XXXX ( XXXX ) of my advanced payments away, totaling {$7000.00}, they would force me into foreclosure. 

The system allowed me to make advanced mortgage payments. They should not allow it in their billing system if they did not allow more than 60 days ahead. 

I either need to get the advanced payments back, or they need to apply them toward future payments.