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

My son, who is in XXXX, used a Vending machine with his Capital One Credit card.He used it 4 times at this machine. 
XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} XX/XX/XXXX : His purchase was XXXX and Capital One charged a cash advance fee of {$10.00} He never entered a PIN. He never authorized the card to be used as a debit card but yet it was charged as a Debit transaction.He received no cash advance. But was billed {$40.00} for using the card. I requested a reversal of fees as he had no way of knowing of this was being charged as a debit transaction. 

Capital One states that they charge a minimum of 3 % or {$10.00} whichever is greater. This is an absurd charge. Capital One is getting the bulk of this fee. They are taking advantage of a consumer who had no idea of this excess charge. I recommended that they speak with the merchant and reverse the charges but they said no ( as they have no incentive to do that ). 

I spoke with XXXX ID # XXXX. I would appreciate your intervention into this matter and wish to have this matter settled with an official response in writing from someone in Capital One.
Product: Debt collection

I first disputed XXXX XXXX XXXX account XXXX with XXXX and XXXX through XXXX. Then, I sent a certified letter on XXXX XXXX disputing the account with both credit reporting agencies. Global Receivables Solutions responded to my dispute by sending a letter to my address that was addressed to my father. The collection agency claimed that my dispute was invalid and the information they reported is accurate. And as evidence of this, they attached a billing statement from the hospital that was in my father 's name. I have disputed this account again with the credit reporting bureaus and I called Global Receivables Solutions today to dispute and was told that I would have to wait for them to investigate. I do n't have time to wait. I am trying to find an apartment, and this negative mark on my credit report is making it difficult. I also called the hospital 's billing department today and they confirmed that they do not have any outstanding bills for me in their system with that account number, but they do have something in my father 's name with the same account number. I am tired of being given the runaround from these people. This mistake is causing me a lot of problems ; mental, financial, and emotional. And I just want the credit bureaus and collection agency to do the right thing and remove this inaccurate information from my credit report.
Product: Mortgage

This MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!! BANK OF AMERICA HAS HAD ME IN LIMBO WITH THIS FRAUD CASE FOR OVER 12 YEARS!!!!! If this is not resolved this time, I WILL SCREAM FROM EVERY ROOFTOP AND IN FRONT OF EVERY TELEVISION CAMERA I CAN FIND!!!!! XXXX XXXX ; Case Manageer from BANK OF AMERICA NEVER FOLLOWED THROUGH!!!! XXXX XXXX ; Customer Advocate NEVER FOLLOWED THROUGH EITHER!!!! I HAVE RECORDED MESSAGES, ALL KINDS OF PAPERWORK VALIDATING EVERYTHING!!!!! THIS MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the XXXX credit bureaus, XXXX, Equifax and XXXX. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved
Product: Debt collection

Recieved a medical collection otice form Transworld Systems Inc for MY MINOR age SON who is XXXX and not responsible for any medical bills. So the sompany should have verified who the debt should have been sent to and not sent it to a minor.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$30000.00} CXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

carmax auto account on credit report past 7 years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing. 


XXXX  account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from XXXX XXXX of original account
Product: Bank account or service

Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.
Product: Checking or savings account

I am filing an official complaint and request to restore full access to my account and my funds. My email associated with the account in question is XXXX I am writing to formally address a critical issue regarding the limitation of my PayPal account and the withholding of my funds. 

Below is a detailed account of the situation : I used my PayPal Balance, associated with my PayPal Debit Card, to make an ACH payments to my XXXX credit card prior to XX/XX/XXXX. These payments were successfully debited and settled on both my PayPal balance and XXXX account without any issue. 

On XX/XX/XXXX, and XX/XX/XXXX, I attempted to use my PayPal Balance again to make {$3000.00} payments to my XXXX credit card. These payments were rejected and returned by XXXX with the notification : " Your financial institution returned your credit card payment - Your financial institution returned your recent credit card payment below, and we won't try again '' ( see attached notice ). 

On XX/XX/XXXX, I received an email from PayPal indicating that my account was permanently limited due to a report of " unauthorized debit or credit card use '' associated with my account. The reference ID for this notification is XXXX ( see attached email ). 

Funds Withheld : Upon further investigation into my account limitation, I was informed that my PayPal Balance, totaling {$6600.00}, is being held until XXXX XXXX XXXX I want to emphasize that I authorized all the transactions in question. 

The issue arose from the payment rejections by PayPal and XXXX, not from any unauthorized use of my account. 

I believe that holding my funds for this extended period is unjust and constitutes a severe financial hardship. 

Therefore, I respectfully request the following : 1 ) Please review the details of my case and lift the permanent restriction on my PayPal account. 2 ) Restore full access to my PayPal Balance of {$6600.00} and my account, which is unjustly being withheld from me. 

I am officially requesting Paypal to remove any restriction on my account. Holding my funds for 6 months is causing significant financial hardship that isn't due to my fault. 

Thank you
Product: Mortgage

I submitted a complaint on XX/XX/XXXX regarding a recast from Ocwen Loan servicing. The case # is XXXX. I received the modification agreement on XXXX XXXX, 2016. Ocwen lowered my payments for only nine months & it will return back to the amount I am paying now. As I explained in my last letter, This modification was suppose to take place months ago and Ocwen is just modifying my loan and cheating me with this bogus Modifcation. My first modification should begin XXXX through XXXX. Please research.
Product: Debt collection

I had XXXX performed at XXXX XXXX XXXX in XXXX, WA. I was in a payment arrangement with them and paid the bill off this month. However, it was sent to Phoenix Financial Services who promptly reported it to all 3 credit bureaus. They refused to contact the creditor to verify that the bill had been paid. Because of this, I was not able to close on a house that we were purchasing and I lost {$5000.00} earnest money.
Product: Credit reporting

On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am victim of identity theft because all these accounts are not mine, and somebody just put them into my credit report. This is ridiculous. I am very sad now to see this kind of tragedy of Bureaus failures. Why they can not check and validate before they put in people reports misleading information? My life is divided between before and after because these unknow items killed my score and I can not do anything with it now until you guys help me and investigate who could do that and who stole my personal information. Please also remove these terrible unknow items from my credit report. I would appreciate if it takes little time for you.
Product: Credit card or prepaid card

My account has been locked since the XX/XX/20. Whenever I call the number on the back of the card, if I'm lucky enough to get through at all, the automated system puts me on hold then disconnects me at 2 hrs 8 minutes. This has happened many times over several days. I am unable to use my card for anything at all. I'm out of cash and almost completely out of essential items. There's no way to contact the company other than by phone or mail and no one is answering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX Charge-off
Product: Credit reporting, credit repair services, or other personal consumer reports

i call this company XXXX XXXX about 2 months ago about a matter they they are reporting on my experian report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my experian credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my experian reports that are fraud and u all no but keep telling experian everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION
Product: Mortgage

In 2006 my home was purchased for {$88000.00}, my home mortgage has been sold several times in the excess of four times, if my memory serves me correctly. I am current on all payments. Recently, my mortgage was sold once again to Shellpoint Mortgage. During an inquiry I asked what is the payoff amount for my home and I was told {$120000.00}. I have been in my home for 19 Years and I owe {$38000.00} more than the original purchase price.
Product: Debt collection

XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted US bank and XXXX who confirmed that first date of default on these accounts were XX/XX/XXXX ... US bank sold this charged off account to XXXX and XXXX sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a letter disputing some items on my credit report, I have not heard anything back and I am beginning to think they are deliberately ignoring me, I have took it upon myself to submit this complaint with the CFPB because I would like some help resolving this matter, it is also to my understanding that they have 30 Days to respond with their investigation results, if the items are inaccurate or unverifiable they must be deleted at once, I have also took it upon myself to read the CFPB information on this website that it is my right to dispute anything on my credit report and I have also found the law cites According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. Thank you CFPB for helping me with this matter. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands.
Product: Student loan

The information reported in the National Student Loan Data System is still reporting three defaulted loans which have been consolidated in XX/XX/2017. These three defaulted loans are being counted toward my aggregated loan limits in addition to the consolidation loans, the amount of these loans are counted twice toward my loan limits.

I have highlighted in Red on the attached nslds Report information that should be removed and deducted from totals scince the consolidation.

I have highlighted in Yellow the corresponding consolidation loan information.
Product: Checking or savings account

I have had a high-yield savings account with Marcus by Goldman Sachs for nearly 9 months. The bank has an offer that allows customers to earn a higher yield on its savings for a period of 3 months for each referral of a new customer. The offer allows customers to refer up to 5 new customers per calendar year. The rate bump started out at an additional 0.50 % APY, but in XXXX the bank increased the offer to an additional 1.00 % APY. When the offer was 0.50 % APY, I referred 3 new customers to the bank using my unique referral link assigned by the bank, which I emailed to the new prospective customers to open their accounts. When they opened their accounts using the unique referral link, almost immediately I received an automated email from the bank thanking me for the referral and my account reflected same. However, when the offer was increased to the additional 1.00 % APY, I referred two more new customers to the bank the same way by emailing to them my unique referral link ( reaching my maximum of 5 referrals for the calendar year ), but this time I did not receive the automated emails nor were the referrals reflected on my account. The customers I referred opened up their accounts on XX/XX/XXXX and XX/XX/XXXX, respectively. I get the impression that this has become a common problem. I don't know if this is intentional by the bank to get new account holders without honoring the offer or if it is a technical glitch on the banks end. There is just one customer service line to call to try to resolve any issues with the bank ( XXXX ). The representatives are not well trained and the supervisors are not helpful. They assign case numbers but never call you back. On one call, I spoke to a supervisor and conferenced in both of the customers I had referred to verify that they used my unique referral link to open their accounts. That supervisor put us all on hold to speak with her supervisor only to come back on the phone explaining that the information on their system was different from what we were all telling her, essentially suggesting that we were lying to her. I have now called the customer service number on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to have my issue resolved. I feel I'm being treated unfairly and the bank is not dealing honostly with me.
Product: Debt collection

called me harassed me threatened me. said I owe money for an account not mine. I never held a personal account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

IQ Data International, has posted two separate accounts reporting on my profile that I dont recollect opening. Ones from XXXX XXXX, Nj posting on XX/XX/2023 and XX/XX/2023 for {$970.00} another account under IQ Data INC is showing a XXXX XXXX XXXX, NJ on XX/XX/2023 with two balances of {$1800.00} the other shows {$2600.00} with zero delinquencies for late fees I didnt open up any accounts in XX/XX/2023 or have any accounts linked or associated with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 All 3 credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

Transunion & XXXX Inaccurate Inquiries : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, 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 XXXXXXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX Inaccurate Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - 15 U.S. Code $ 1681c-2 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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!