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

On XX/XX/2022 I Sent A Dispute To Equifax About Accounts Account Number : XXXX Account Number : XXXX Account Number : XXXX I never Received Any Response i Then Sent A Demand To Comply Letter On XX/XX/2022 I Never Received And Response And Then I Sent A 3rd Letter Letting Them Know They Broke The Law By Refusing To Investigate These " Alleged '' Accounts Equifax Also Faile To Update The Remarks On My Credit Report As " Disputed '' So This Means Equifax Did Not File Any Dispute On My Behalf Which Is A FCRA Violation Equifax Has Been Causing Me Mental Anguish By Refusing To Investigate These Alleged Accounts I Want Proof That These Accounts Are In Fact Mine Further More I Never Gave Equifax Written Instructions To Furnish Any Information About Me I Plan To Seek Litigation {$1000.00} Per Violation If They Do Not Make This Right And Remove These Accounts It Has Been Over 90 Days And I Have Not Recived Any Valid Proof Of These Accounts Meaning A Contract Bearing My Signature I Do Not Want Statements I Want My Name On A Contract WIth These Companys And I Do Not Want A E-Oscar Response I Want A Human To Respond
Product: Mortgage

I have a 10-year, interest-only loan serviced by Fifth Third Bank ( XXXX XXXX ). It's 7-year fixed rate period has expired and it now enters ( per the Note-attached below ) 3 ; 1-year periods of a new fixed rate. The new rate should be equal to One-Year LIBOR plus 2.25 % rounded to the nearest 1/8 %. The re-set date is 45 days in advance of the-set date ( XXXX XXXX in this case ). The re-set date should have been XXXX XXXX of this year. That was a Sunday so the last day of a current LIBOR rate was Friday, XXXX XXXX. The One-Year LIBOR rate at the close of business that day was 2.05 %. My new rate should be 4.25 % : 2.05 % + 2.25 % = 4.30 % -rounded to the nearest 1/8 % is 4.25 %. They calculated the new rate as 4.375 % ( see rate re-set letter attached ). I believe this is in error and have called the Bank 3 times. They have not called me back and have not shown me their calculation.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute regarding missing mortgage payment on my credit report. ( Transunion ) on XXXX/XXXX/XXXX. I submitted additional information that was requested on XXXX/XXXX/XXXX. I received a letter stating that the investigation would be completed on or before XXXX/XXXX/XXXX. I still have not received results of this dispute, as of XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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
Product: Credit card or prepaid card

This is a new card, the card was never activated by my authority, and should not have ever been. A charge was placed by XXXX for a {$7.00} membership fee that I never agreed to or signed up for. I contacted Capitol One to advise of this and ask to dispute the charge several weeks ago. This dispute, after being on phone for some time was never initiated or a record was not even kept of this part of the call. There is a record that I did call in and ask about doing so, however card # is XXXX. I do not feel I should have to ash for same assistance and have to keep up on what was promised and keep requesting over and over. 
If this is happening to me how many others are being abused like this as well?
Product: Debt collection

Received a letter In the mail from the collection convergent company from XXXX of the balance of {$700.00} with a reduced amount of XXXX the debt has been well over XXXX years old and it has fallen off my report since XXXX of this year. I was under the impression that is was close given the aged of the debt ... it hasnt effected my credit as of yet but I want or stay on top of it so I wont have any Fluctuation to my credit score ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : SYNCHRONY BANK Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$13000.00} to my Capital One Quick Silver Card. 
My Card Balance at the time was only {$2800.00}. 

On XX/XX/XXXX, I called Capital One to refund me the Credit Balance in the amount of {$10000.00} in the form of a check as they stated they do not allow for ACH Transfers for Credit Balance Refund. 
Representative said, since you have a new account and since this is a large payment, we will have to wait 30 days before the payment clears. I said okay. 
Shortly after my card was restricted from making purchases. 

XX/XX/2023 I get a letter that I have to verify where the payment was coming from and my identity. 
I submitted my identity and the payment came from a XXXX XXXX XXXX. 

On XX/XX/XXXX, My credit card reflected the {$10000.00} being removed from the account. 

Since Then I have Spoken to at least 5 different representatives, who removed the card restriction and told me i should have a check in hand within 10-14 business days.

One XXXX from Capital one whose id was XXXX XXXX XXXX from Capital one who I spoke to one XXXX XXXX who guaranteed me that i should have the check in hand by XX/XX/2023 On XX/XX/XXXX, I mailed a letter to the address provided to me by XXXX employee ID XXXX XXXX 

Today is XX/XX/XXXX, I called again. Spoke to a woman who transferred me to a supervisor who was unable to help me. that transferred me to another woman who i was explaining everything to and the call got disconnected. 
Later I called back after I didn't get a call back after the disconnect. 
I was helped by one XXXX whose ID Number is XXXX and he basically said the last person who was helping you submitted a form that now doesn't allow us to see what's going on and only that last person can help you and we don't have any way of contacting her or knowing who she is, since you weren't able to get her name and agent ID. 

This should not be allowed by a Major Bank as big as Capital One.
Product: Mortgage

Back in XXXX, I entered into a lease agreement with a company that approached me claiming they had purchased my home at a foreclosure auction at the county courthouse. The confusing part is that I had been under the impression that my home was not going into foreclosure, as I was actively engaged in the loss mitigation process with the bank. 

When I realized that I might fall behind on payments, I proactively contacted the bank seeking assistance. Unfortunately, they were not able to provide the help I needed at the time. It wasn't until I received a letter from an attorney, attempting to collect a debt, that I was given a contact number to seek further assistance. Without wasting any time, I reached out to the advised company and initiated the necessary processes. 

What makes this situation even more peculiar is that the company initially approached me to buy the home, but I declined their offer. However, a few months later, they came back and informed me that they had indeed purchased my home. Feeling somewhat cornered, they offered me the ultimatum of either renting the property or facing eviction. Given the circumstances, I reluctantly accepted the rental option. Upon agreeing to rent the company offered a 2 year buy back option, after I approached in 2 years they told me they never said anything about a buy back option. I told them they did say it. They denied, however the rep said ( which is the same rep that told me this initially ) I was told these files were housed in a storage that will take a long time to go Through and permission was needed, Permission was declined. 

Now, the issue lies in the fact that both the bank and the purchaser are aware that I am still actively fighting against this situation. It has come to my attention that they have resorted to some illegal self-help eviction tactics, which is causing additional stress and confusion. 

I am reaching out to you today because I truly value your opinion and would greatly appreciate any advice or assistance you can offer. Perhaps you know someone who has dealt with a similar situation or can recommend a reliable resource that can guide me through this complex ordeal. 

Thank you so much for taking the time to read my email and for being there for me during this challenging time. Your support means the world to me, and I am grateful to have you in my life. 

Wishing you all the best and looking forward to hearing from you soon. 

Warmest regards
Product: Checking or savings account

Hello, i had some unauthorized transactions on my cash app account. They were all made to a certain merchant and most of them were resolved in my favor but the two biggest amount ones have not been credited to my account as they said they were. They are two transactions amounting to {$79.00} each. Please help. They never wan na give me an answer when i ask where my money. : ( They were suppose to deposit temporary credit on XX/XX/XXXX but they are holding my money and dont tell me why. : (
Product: Debt collection

I have contacted this company a total of three times, requesting validation of the alleged debt ; as well as proof that they ( the company ) has the legal authority to collect the alleged debt on behalf of the original creditor. Twice the company sent a billing ledger as validation. A billing ledger does not assign a debt to me. In the two times they have sent that billing ledger they neglected to include proof that they have the legal authority to collect the the alleged debt.
Product: Credit card

Around Tuesday XX/XX/2023 I called Desert XXXX XXXX XXXX Credit Card service aka Cardmember Services aka Elan Financial Services to request my most recent statement. I am in a divorce process and it is critical that I receive the most up to date information about this account as it is to be closed and paid off. I originally spoke to " XXXX '' around XXXX who said she would put in a request to have this statement ( my most recent credit card statement ) email to me since she did not have the ability to email it ( lol ). She also said they could not express mail it to me either. I never heard back from her nor did I get a response from Elan Financial/Cardmember Services/Desert XXXX XXXX XXXX XXXX I had told her I was going to put in a complaint to the CFPB if I did not get this information. I have been unable to log into their website at cardmember services ( I used to be able to log in ) and I have received nothing in the mail from them even though I have lived here at my address for over 11 years with no other addresses or po box es ever. I never received *anything* after speaking with XXXX so I called in around Thursday XX/XX/2023 around XXXX and talked to a supervisor who said she would put in more requests to get this documentation to me. Its absolutely ridiculous that I can not log into their website ( we went through the process but they were unable to open up their system to let me log in ) or that they can not simply email this statement to me. This has huge implications as now my divorce proceedings are affected and if this account doesn't get paid off correctly I will have to consider further measures. Elan Financial/Cardmember Services has to be in violation of some kind of laws by refusing to get my credit card statement to me : they are charging me a high interest rate and making alot of money off me ( and all their other customers ). They certainly deserved to be sued at this point. This company has a 1 star XXXX rating so I do not think they are fit to do credit card business in the state of Arizona or anywhere else. I need my most recent credit card statement emailed to me immediately at XXXX AND express mailed to me at my current address which I know they have on file. I think they should be fined as well for having obscure business practices and refusing to send me information I need about my credit card account, namely the most recent monthly statement which is not available on their website and they are not sharing with me via regular mail email or any other means. Thank you. Found their confirmation number its XXXX
Product: Debt collection

Around XXXX XXXX 2017, i was in the process of moving out of an rented property from XXXX XXXX in XXXX XXXX GA, and shortly after they refused to give us back the security deposit. I began receiving calls and mail learning about a {$1900.00} debt for renovations done to the house ( Mind you we agreed to move in early before they had time to fix up the place ) so that includes the walls that were in need a fresh coat of paint, old and un-maintained hardwood floors, broken dishwasher & oven among other things that were presently wrong with the property at time of lease signing. After some time i informed them i would not pay for their expenses, which i believe is more than crooked for someone who was freshly XXXX at the time to be taking advantage of in such a manner. Furthermore this has caused me to enter early adulthood with a terrible credit score, simply because i refuse to pay for that which i am not responsible for. In retrospect i suggest anyone who is young and naive renting a property, to make sure you get timestamped photos of the property on day one.
Product: Mortgage

XXXX referred by New York XXXX to file complaint in re arbitrary failure to provide reasonable Chase Mortgage account # XXXX loan modification relief in violation of Settlement agreement, Consumer Protection provisions etc. Please review this matter and advise. My email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX  XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through PayPal I click that option when I get redirected to PayPal I could either use my PayPal card balance or add my banks debit card to my PayPal account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the PayPal website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought PayPal wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from PayPal. so I dont have any credit. I have a clean slate. If I new it was a credit card application XXXX wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling PayPal customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call XXXX  XXXX and tell them to put it ask fraud because they cant find it.
Product: Debt collection

I have disputed this debt over and over with the credit bureaus and the collection agency. Midland constantly is allegedly doing a reasonable investigation and verifying the account is reporting XXXX accurately. I disagree. While i have constantly asked Midland to verify and validate the debt and provide proof of it such as a contract or account statements showing what was bought with the alleged credit card. They have never sent any documentation at all. They only ever sent me a letter stating to call them to resolve my dispute. Since they have never sent me any documentation regarding the validity of this account they have violated the recent CFPB consent order from XX/XX/2015.