23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my checking and savings account on XX/XX/18 using a link on the Citi website promising a bonus of {$400.00} if I would deposit {$15000.00} into my checking account and keep it there for 60 days. According to the terms of the offer, the {$400.00} bonus would be paid out within 90 days after the 60 day time requirement was met. That 90 day deadline is XX/XX/18, and the bonus was not paid within the promised timeline. 

I'm attaching the transcript of an online chat I had with one of Citi 's representative 's which confirms the facts that I met the terms of the offer, the dates involved, and the bonus hasn't been paid yet.
Product: Mortgage

Fay Mortgage Company purchased my Mortgage and increased it dramatically. I requested a hardship modification. It almost seems that they are purposefully stalling on the hardship documentation, taking forever to process it. In the meantime, their online system will not allow me to make payments. The system indicates that I can not pay because I have " scheduled payments. '' The scheduled payment section clearly shows no " scheduled payments. '' ( examples Attached ) I have called and spoken to a rep who assured me my documents were being process timely and that the system would reopen to pay online. No " partial '' payments could be made. The mortgage statements and the website advertise " an updated website '' and several ways to make payments but this is false. The time frame to catch up on my payments is running further behind and my loan will be foreclosed upon. My credit is being destroyed and I am getting the run around in all directions. In addition, Fay failed to pay my homeowners insurance through escrow causing the insurance to lapse. I held this insurance policy for over 20 years. I now have to pay the insurance myself. The whole website and payment process is a failure. I have attached all the statements which clearly show that I can not make payment online.
Product: Debt collection

After reviewing my credit report i have noted some discrepancy on LVNV FUNDING LLC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that has already been addressed as part of an identity theft investigation, I've asked the credit reporting agency to rectify this issue they have deleted the inquiries associated with this account but non the account itself. Waiting for resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO L ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX XXXX I purchased one tank of diesel from a XXXX XXXX station while traveling. It was {$100.00}. The next day when the payment posted, the balance on the Capital One card was $ XXXX ( I have a {$19000.00} limit ). XXXX XXXX XXXX station # XXXX ran my card over XXXX times. I called XXXX # XXXX and Capital One multiple times throughout XXXX. 

XXXX  Refunded {$100.00} on XX/XX/2022 ... and that is the extent of their action... 

Capital One was completely confused and we could not get in touch with anyone that ever knew what to do. Every answer we have received is, " Let me get in touch with ( insert random person or department ) and I will call you back today or tomorrow. '' We have never received a single call back from any Capital One employee. 

Every time we call it is the same experience of getting someone that has no clue what to do, or what happened to our account ... and being told this same statement that leaves us getting no where. 

By XX/XX/XXXX it appeared that most of the issues had been resolved... but XX/XX/XXXX the purchase adjustments by Capital One started again and after they were done crediting and debiting stuff back and forth ... they had put {$30000.00} of erroneous charges back on my card. 

A couple massive problems are leading me to stop using credit cards all together after this experience ... and the fact that these issues exist and are being brought to light should lead to the downfall of predatory companies like Capital One, and devastate peoples faith in the current electronic monetary system. 

# 1 You should not be able to have charges exceed your account limit... Period.

# 2 With a card being placed on hold, or locked down, or canceled you should not have transactions still going through ... Period. 

# 3 This wasn't talked about during this complaint but I'll throw it on this list. Predatory companies like XXXX XXXX that unknowingly sign people up for subscriptions only to have them canceled after the customer realizes it, should not get the NEW card number automatically and resume a canceled, fraudulent subscription. ( This XXXX happened while our card was locked down and over the limit as well. 

Moral of the story... You have no control of your money at all and neither do they... but that XXXX credit score you have worked hard for a long time to earn will tank overnight because their system is screwed up and ran by XXXX. Don't use Capital One.
Product: Checking or savings account

On XX/XX/XXXX, a charge of {$XXXX} was made to my business account card, listed as " XXXX XXXX. '' A second charge of the same amount occurred on XX/XX/XXXX. These transactions were not authorized by me and were inconsistent with the intended use of my business account, which I strictly use for business operations or utility payments. 

I noticed these charges on XX/XX/XXXX, when my account balance was unusually low. I immediately contacted Chase Bank to report the transactions as fraud. XXXX provisionally opened a claim and began investigating. However, on XX/XX/XXXX, I was informed that XXXX denied the claim because the merchant provided evidence, including a signed agreement, along with personal information such as my name, phone number, address, and email, which matched my business account details. 

The signature on the agreement provided by the merchant was generic and not mine. At the time, I could not explain how my personal information was obtained, as my card was in my possession and not shared with anyone I know. 

Upon further reflection, I recalled that my phone had been hacked after I clicked on a phishing email in late XX/XX/XXXX. After clicking the link, my phone began behaving unusually, leading me to change passwords and eventually reformat the device in XX/XX/XXXX. I believe this breach compromised my personal and payment information, enabling unauthorized use of my card for the merchants charges. 

After XXXX denied the claim, I contacted the merchant via email and requested a reversal of the charges. Despite my explanation and multiple requests for evidence of authorization, the merchant refused to provide the same documentation they sent to the payment processor, denying my request for the documents not once, but twice. This lack of transparency has made it impossible for me to verify their claims or understand the basis for their refusal to refund the unauthorized charges. 

This situation involves a service I did not knowingly sign up for, use, or benefit from, and the charges have severely impacted my business funds. I am seeking assistance to resolve this issue, as I did not authorize these transactions and have taken all possible steps to protect my accounts since the breach.
Product: Student loan

Prior to the start of the fall semester in XXXX, a private student loan was taken out in the amount XXXX to attend XXXX University. 

This loan was paid for in full with a check from XXXX XXXX attached in the amount of {$13000.00} to MEFA on XX/XX/XXXX. 

However, when trying to find a record with the loan company, we have been told numerous times that there is no record of it being paid in full and because of that, it had been reported to a national debt recovery service. I have had to put a pause on my education because we don't know where the money has gone along with the negative impact it has had on my credit report. 

I have not been eligible to return back with financial aid and continue my studies because it still shows that I have not paid this loan at all so there has been a hold put on my ability to apply for any aid along with showing I have an ongoing dispute with XXXX XXXX XXXX about this issue. This has made it extremely difficult to afford my education so I haven't been able to continue.
Product: Checking or savings account

XXXX XXXX XXXX sent me a debit card that was fraudulent opened with all my information ... .there were no charges and they closed account on XXXX ... .account was opened XX/XX/XXXX using my name birthdate ss # and address and cell phone .... 
Chase bank also same thing someone attempted to open debit card and account with my information on XX/XX/XXXX ... account has been closed.
Product: Debt collection

Debt was placed in collections 2 days ago from an account that was supposedly open XX/XX/2018. I do not have a bright house account and this is not my debt that they are trying to collect. I never received any phone calls or letters from this company ( Waypoint Resource Group ) in the past 7 months. The company does not answer calls or return calls.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX   This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : A personal credit card account opened with XXXX on XX/XX/XXXX A credit card account opened with XXXX  XXXX on XX/XX/XXXX A personal loan account opened with XXXX  on XXXX XXXX An auto loan opened with XXXX XXXX on XXXX XXXX A personal loan account opened with XXXX  on XX/XX/XXXX. 
a personal loan account opened with self XX/XX/XXXX an account with XXXX opened XX/XX/XXXX a collection account with contract callers opened XX/XX/XXXX a collection account with XXXX opened XX/XX/XXXX a collection account with XXXX XXXX opened XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from TransUnion that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX & # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$430.00} ; 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

Am loyal Lowes Advantage Card member since XXXX. Received email from Synchrony bank ( which handles the XXXX accounts ) that my account was immediately closed ... ... .reasons given were items on credit report including XXXX items dealing with an on going dispute with my mortgage company XXXX XXXX ... in the past 12 years at least have never gone over 50 % of what credit limit is and is ALWAYS at {$0.00} by this time of the year as it was when I was closed!!! If because of my credit report were going to reduce my limit I would not have a problem with that but NEVER gave me the option or any warning this occured!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681 section 602A- States I have the right to privacy 15 USC 1681 section 604A section 2 - States a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I HAVE SENT CERTIFIED MAIL 3 TIMES TO ALL 3 ( XXXX, XXXX, EXPERIAN ) NONE OF WHICH WERE RESPONDED TOO ON ANY OF THESE ACCOUNTS. ALSO ONE TIME I DID RECIEVE SOMETHING FROM XXXX SAYING THAT THE INFORMATION IS VALID. 

FIRST OF ALL THIS SHOULD OF BEEN TAKEN OFF MY CREDIT REPORT AFTER THE FIRST FAILED ATTEMPT TO RESPOND WITHIN 30 DAYS. 

SECOND I CHALLENGE THE VALIDITY ON ALL OF THESE ACCOUNTS, PROVE TO ME THE VALIDITY OR TAKE THIS OFF MY CREDIT ONCE AND FOR ALL OR I WILL BE CONTACTING A LAWYER AND TAKING ALL XXXX TO SMALL CLAIMS COURT, THIS IS INSANE AND NOT THE WAY YOU ALL CONDUCT BUSINESS. 


I DEMAND ALL OF THESE ACCOUNTS TAKEN OFF MY CREDIT, THIS IS MY LAST AND FINAL ATTEMPT BEFORE I PURSUE LEGAL ACTION!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( TRANSUNION, XXXX XXXX  ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSIMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. 

A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
Product: Debt collection

The debt in question was with XXXX. The dealership where we leased did agree to absorb the debt in lieu of leasing a new vehicle with the same company. We have explained this to the agency that is attempting to collect this debt and requested that they contact the dealership directly. They refused. They refuse to hear anything we are saying. It is not my job to make sure that the proper agency received the proper paperwork from a different agency altogether. I signed a contract with XXXX of XXXX and they agreed to handle this. They did not.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

These Experian inquiries are not authorized : 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 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 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 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 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: Mortgage

United Wholesale Mortgage got XXXX XXXX XXXX to sign a note and mortgage to United Wholesale Mortgage 's benefit and they advanced no money. The note and mortgage are payable to United Wholesale Mortgage. XXXX XXXX XXXX and United Wholesale Mortgage have a false relationship of " maker '' and " XXXX '' on the note that never should have been released from " closing '' had the real facts been revealed by disclosures required by the Truth in Lending Act. United Wholesale Mortgage securitized the paper but not the debt.
Product: Student loan

I contacted the school year of 2021 and the bank lenders explained to both my issue. The school I have contacted over the phone telling them its on a report stating the student loan money was not refunded back to the lender I did not earn my license. The school gave me the run around and says it's nothing they can do. Next step I contacted the lender over phone and explained the issue with my school and never receive my license and the money was suppose to be send back to the lender which was not, I asked what can be done I got the same response from the lender.