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

Good morning! I opened Quicksilver  Credit card with Capital one onXX/XX/XXXX upon seeing their promotion of 200 $ bonus ( after spending 500 $ in the first 90 days ). I applied on Capital one website and was approved. On XX/XX/XXXX I called Capital one to verify if I reached 500 $ yet to get the bonus. Capital one representative told me that I was not approved for 200 $ bonus when I applied. In my opinion this is not fair. I have good credit score, never missed even one payment on any card that I have, this is my second credit card with Capital one. I also have a checking account with them. And most importantly amid Corona  virus pandemic I was counting on this bonus. They should not advertise this promotion. I have never heard that the company would approve you for a card but not for a bonus that goes with it. Please look into this further. Thank you!
Product: Debt collection

I am writing to dispute multiple accounts that are fraudulent on my report for the countless number of times. I've asked numerous times to validate the debt which credit control XXXX  failed, The dispute has also been well over 30 days which is in violation according to 15 USC 1681i ( a ) ( 1 ) ( A ). Delete and remove all accounts listed immediately, I also require monetary relief of {$5000.00} for false and deceptive representations of me according to 15 U.S. Code 1692j ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, I did not make this/these charges or accounts. I've submitted multiple FTC identity theft affidavits which they have not responded to.
Product: Debt collection

I was contacted by a man named able who didnt specify who he worked for just who he was calling on behalf of which is XXXX XXXX in XXXX ca during the call which i recorded he I asked if he owned the debt and he got very aggressive with me then tried to 3 way call the company that hired him when I refused to share the information or allow him to make the call he then got very unprofessional and hes just going to say I refused so he can seek legal action against me and hung up then proceeded to text me pictures of what appeared to be a lien from dmv and a threat to seek legal action. All without ever telling who he worked for and sent me a website to the company after asking for his supervisors name The companys name is lien receivables llc I have never been contacted in such a way that I felt threatened I didnt even receive a notice in the mail from the company itself just a phone call from this man who sounded like a child or under the influence
Product: Debt collection

Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " MERCHANTS CREDIT GUIDE '' AND " XXXX XXXX '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT.
Product: Credit card or prepaid card

I am on social security disability my ssi can not be garnished by XXXXXXXX XXXX XXXX XXXX  and I don't have to pay them back. My money is federally protected because it is direct deposited into my account monthly.
Product: Credit card

I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.
Product: Consumer Loan

In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I requested months ago to freeze the consumer report the company has on me and they still are providing my report as a third party.
Product: Credit reporting or other personal consumer reports

Breach all Information was leaked and only offered credit monitoring
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with XXXX/XXXX/Experian for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
Product: Mortgage

To Whom It May Concern. 
I noticed my escrow balance was negative, so I asked for a breakdown analysis after speaking to several employees at Newrez. They were all telling me my city tax increased. I was shocked by this because my city tax was already paid for the year. After getting a copy of my escrow analysis, I noticed my escrow account was used to pay my personal water bills in disguise as city tax in XX/XX/year>. It is my understanding that my escrow account will not be used in paying my personal water bill. I would like a copy of the tax bill that was sent to you, and why it was paid. I want to know how a water bill in the amount of {$4200.00} qualified as a city tax. My personal bills are my responsibility. The said bills I have attached had discrepancies, most of them were not even in my name which I am still disputing with the city. They have been sending the water bills in someone elses name, which has made it difficult for me to know who is responsible for the bill. The bill is not a city tax BUT A WATER BILL and should never have come out of my escrow account. I would also like to know why my escrow payments are so high every month. I am also attaching the adjustment for my home insurance ; I was able to reduce my home insurance so this should be adjusted on my mortgage payment. I still have two error late payment reported by you on my loan. This is unacceptable and I am giving 30 days for this to be rectified otherwise I will have no other recurse than to take legal action.
Product: Credit card or prepaid card

I have a Capital One Credit card where I make XXXX  dollar minimum payments. I have been going through financial hardship and have been late on a few payments. I am between XXXX  XXXX  and unemployment.
Product: Debt collection

I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!
Product: Debt collection

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Capital One has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on receiving an application by phone/internet, and the last bill and payment sent for the supposed account. They also mentioned this account being opened with a valid contract between Capital One and I, but didnt send a copy of that requested contract. 

another certified letter was sent ( and received by Capital One ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract.. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report
Product: Debt collection

I received a letter/Notice ftrom Goldman Sachs dated XX/XX/XXXX stating that " my '' Apple Card account is past due : Apple Card Customer : XXXX XXXX XXXX XXXX " As of XX/XX/XXXX, your account is past due. Your past due balance is due immediately. In order to regain access to your available credit, please make a payment by going to Apple Card in the XXXX XXXX, online at card.apple.com or by reaching out to an Apple Card Specialist... 
If a payment for your past due balance is not received by the end of the month, Goldman Sachs Bank USA may continue reporting your past due balance and missed payments to credit bureaus. This may impact your credit score. '' I have no idea what an Apple card is, nor have I ever used one. My XXXX was hacked and information was stolen in XX/XX/XXXX right before XXXX. Also, I was no longer able to use the XXXX. I kept getting a message asking me for my Apple ID. My Apple ID was no longer recognized. I could not change my password or put in a new Apple ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and/or Sagestream LLC reported information to credit bureaus when there is an active security freeze on my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar turn into Mr.Cooper and all payment history disappear on credit reports.
Product: Debt collection

XXXX XXXX XXXX Agent was very nasty with me over the phone and ask very impersonal questions that was not pertaining to the account
Product: Checking or savings account

On XXXX XXXX I made a deposit of {$9900.00} with a check issued by XXXX XXXX  XXXX XXXX XXXX. The check was sent from XXXX. The bank teller stated that the check would be placed on hold for XXXX business days. Normally an out-of-state check is held for XXXX business days. On XX/XX/XXXX, I withdrew {$9100.00} to purchase remote customer service equipment. The branch XXXX signed off on the withdrawal that day. The next day XX/XX/year> I received a text message from chase informing me that my checking account was overdrawn by {$6100.00} dollars. I went to the branch in XXXX XXXX XXXX  and spoke with the branch XXXX and he informed me that the bank would hold me liable for the check amount because I took the money out of my account. He stated to wait XXXX business days to be sure of how Chase would handle this. A few days later I received a letter from Chase with a copy of the check informing me that they were going to take the money from my checking account that they lost. I called Chase customer service to file a fraud claim but was informed that they are considering the check a forgery and I'm liable for the amount taken out and they do not consider this fraud. Although that is exactly what this is. So far the bank has taken over {$6000.00} out of my checking account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the most irresponsible credit bureau in the USA. I ordered a free credit monitor and canceled, they still charged me a fee of {$19.00}. I called this morning and they told me I had to load a state ID and also send in a live picture of myself to prevent fraud. I wish they were this thorough when they deducted the amount from my debit card. They are very irresponsible, I have a state ID and I have to go outside to take a picture, I am currently homeless and staying in a temporary location, I dont have the luxury of taking a picture in privacy, As soon as I woke up I called and they informed me they need all this documentation to refund my money. They go the extra mile for a refund and meanwhile they dont even protect your information.
Product: Credit reporting or other personal consumer reports

I got an alert for a credit inquiry on my credit report from JPMCB CARD SERVIES and I have no clue what it is. The last credit card I applied for was a XXXX XXXX card
Product: Debt collection

Someone from a company named XXXX XXXX, keeps calling a relative of mine. The last call was on XXXX, at XXXX, from phone number XXXX showing from Arizona XXXX The person said that me and my spouse had done business with them. My relative has ask them to stop calling, but they keep calling. I called the number, and spoke to someone named XXXX XXXX, who had a middle eastern accent. I told him that in would be filing a complaint.
Product: Debt collection

The company IC systems contacted my employer and shared debt information with them. The company is continuing to hit my credit report with hard inquiries each month.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy. 
Account name XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name 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.

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 consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home and the mortgage company can not pull my Equifax score. 

I have sent a letter to correct the info and have spoken to about 7 people that have claimed there was a freeze then the freeze was removed and still the mortgage company is not able to pull the report. 

I have exhausted all measures. 

The creditors are not able to pull my report
Product: Checking or savings account

I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting wells fargo bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After a week or two wells fargo sends the decision of the claim being denied due to the fact that the pin number was used therefore the transactions are valid or were made with my permission. After calling wells fargo back and talking to a few representatives, one of the representatives reopened the claim stating that in the original claim it was stated that I was in possession of my card, which I clearly stated that I was not during the filing of the original claim. Another claim was reopened to further investigate the matter. the new claim number was # XXXX. After their investigation into this matter again, I received a letter stating the same thing that since the pin number was used then the transactions were valid. There were 4 different transactions ( withdrawals ) totaling to {$3900.00}. I have also sent my reservation itinerary to wells fargo claims department showing that I was checked into XXXX XXXX and XXXX in XXXX XXXX and I also sent them the receipts of the rides I took using the rideshare app XXXX while I was in XXXX XXXX to get from one hotel to the other. I have exhausted all logical means of trying to reason with Wells Fargo bank but all have been in vein. I state again that I have lost my debit card probably at the gas station when I was pumping gas to get on the road to XXXX XXXX from XXXX XXXX, and my pin number was written on my debit card due to my poor memory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown account CHASE CARD Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Product: Debt collection

Zion debt holding is fraudulently trying to collect a debt that doesnt belong to me. They have also have a written court order stating that because of fraudulent practices they must stop all collection practice as well as contract ( proof provided )
Product: Checking or savings account

This is not a duplicate complaint. Wells Fargo has violated Reg E regarding my account several times and it seems that in my case, it's acceptable? I reported fraud as soon as I was certain of what happened. Wells Fargo made it seem as though if I didn't have my card, I couldn't complete the claim. I exceeded the efforts that is required by a consumer to assist in any investigation. In return, Wells Fargo failed to provide me provisional credit for a bona fide customer claim under Section 205.11 ( c ) ( 2 ) ; failed to promptly complete an investigation of the my claim within the 90 days required by Section 205.11 ( c ) ( 3 ) ( ii ) ( B ).

Failed to provide me with the written explanation required under Section 205.11 ( d ) if the bank determined that no error occurred ; and upon reviewing my welcome package, failed to provide the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). There is nothing in my package stating what to do in case of a fraud, nor the liability. The welcome package was checked off by the banker who opened my account, with a checkbox next to everything we discussed that day, and there isn't anything on it which suggests what to do about fraud or the liability. Nothing. I received a letter from WF today that is dated XXXX stating WF is " reviewing the issues mentioned in my complaint ( XXXX ). It says nothing at all about the fraud claim. It says nothing at all about any decision it's made regarding correcting the error. It says nothing about provisional credit. Is this or is this not Regulation E non-compliance? Is the CFPB going to enforce the regulation? I was told in the last letter that they would notify me within ten days of their determination. This isn't a determination. It's simply buying more time, while I suffer without my money. The CFPB is supposed to enforce these regulations, but I have pointed out these issues previously, save the new information listed, and WF hasn't done anything differently, so apparently the rules aren't being enforced where I am concerned. It's seeming more and more discriminatory by the day. Now in this latest letter, they promise a response within ten days. It's now going on seven months since this began! Seven months is an inexcusable amount of time to deny a consumer his or her rights under Reg E and get away with it as WF has thus far. I sure hope someone helps me. I need my money, and allowing this to continue isn't exactly protecting me at all.

I am attaching an audio recording that captured those responsible speaking about stealing my money. Someone in the conversation states they work for WF. As I mentioned previously, my files may have been corrupted, but I had recorded this on a separate laptop after extracting this sample from the original source, to try and reduce the noise and enhance the sound to hear it better. With all the money WF has they can certainly pay someone to transcribe it, and they will see that I am a victim and that their behavior regarding me is inappropriate to say the least. This is unfair.
Product: Payday loan, title loan, or personal loan

This is regarding Hunington Bank, I paid off my car loan in XXXX, Now I ca n't seem to get the lein released off my title, They say they mailed out the paper but this is going into 6 weeks and I can not get anyone to take care of this. I even called the corporate headquarters and still nothing. I even asked them to send it to the XXXX County Clerks office and still nothing, they said it was mailed out twice and they told me they would overnight it but that did not happen either .... Please I need some help.