23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : loan XXXX XXXX XXXX XXXX Freedom Mortgage would not accept my XXXXXXXX XXXX policy which covered everything. Instead Freedom Mortgage chose XXXX, a company they have a business relationship with. I pay the premiums and the money goes to Freedom Mortgage. I have extensive damage to my home from hurricane Helene. XXXX I know will not cover everything. I could not afford XXXX as well as the house payment which was raised to cover XXXX. The back of the house is ready to collapse, I had to pay XXXX dollars for tree removal not to mention the damage to my personal property. In addition I have taped the phone conversation with XXXXXXXX XXXX XXXXXXXX who stated that XXXX had to by law pay for the tree removal and tarping of the roof. I have gotten word from Freedom Mortgage that they are raising my escrow payments because of the claim and the claim has not been paid yet. 
Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Not only did LexisNexis violate this, they confessed to me that they did a bad investigation and violated the FCRA by saying the following : LexisNexis does NOT guarantee the accuracy of truthfulness of the information in this report as to the subject of the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Bank account or service

I have a checking account with Capital One. 
On XXXX/XXXX/2015, I deposited a handful of cash notes at a Capital One ATM machine ( ATM # XXXX ) at XXXX XXXX, Virginia at XXXX. However, the money was not deposited but was eaten by the ATM Machine. The ATM Machine returned to me a slip listing the ATM #, the time stamp and the date with a comment " We encountered a problem returning your cash. Please contact your financial institution ''. 

I called Capital One debit card number at XXXX around XXXX. I was told by the recording that the staff has gone for the day, I need to report the claim after XXXX the next day. I called the Capital One again on XXXX around XXXX, and reported the claim. The representative asked me to give a ballpark number of how much money I deposited and got eaten, at that time I could not tell, because I did not count the cash when I made the deposit ( I have never had similar experience in the past so I forgot to do so ), but I indeed put in a handful of notes. I gave a number of {$500.00} maybe, so the representative told me that they would deposit this amount of money into my account first within 3 days or so, and the claim would go through investigation for a couple of months. 

Afterwards, I counted all the money in my wallet, and compared all the cash return, all the transaction info I have had. This information led me to believe that I probably had over {$900.00} deposited and eaten. So I called Capital One again mid XXXX to report this amount, and got another {$500.00} temporary deposited into my account. 

Today I received the decision letter listing '' After looking into it, we 've approved {$100.00} of the {$500.00}. We had to deny the rest of your claim because of : We checked our ATM records and they do n't show an error for this amount '' My claim number is XXXX. 

I do n't know where this {$100.00} comes from and what it means. Does it mean Capital One finds that I only deposited {$100.00} into my account on XXXX and eaten by the ATM, or it was only a money as comfort. The whole experience has been tedious and frustrating. Nobody contacted me during the 2 months ' claim investigation, and I was not told how much money was eaten at all.
Product: Prepaid card

I have {$7.00} in value remaining on this American Express virtual reward card. It has been declined repeatedly despite my having enough balance remaining on this card to cover the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from ProCollect on XX/XX/2022, wherein they asked me to pay them money but refused to provide me any details regarding the debt. ProCollect stated they had been sending collection letters to me at the request of XXXX since XX/XX/2022. I requested the address they were sending the collection letters to and it was not the forwarding address provided to XXXX XX/XX/2022, when I provided XXXX notice I was moving as a result of constructive eviction as a result of their violations of Texas XXXX XXXX XXXX and XXXX. I then sent an email to ProCollect ( XXXX ) as XXXX XXXX stated requesting the amount of the alleged debt ; full name and mailing address of the original creditor for the alleged debt ; documentation showing you have verified that I am responsible for the alleged debt or a copy of any judgment ; and documentation showing you are licensed to collect debts in Texas. To date, I have not received any of this information. I also provided them with my attorneys contact information and she has not received anything either. I had my credit report pulled recently and was astonished to see this was on all 3 reports. I have disputed it with all 3 bureaus however they are not requiring the collector to follow the Fair Debt Collection laws. I have provided the bureaus with all documentation and requests prior to the constructive eviction and after. Again, to date, I nor my attorney have received any documentation from ProCollect regarding this alleged debt as request more than 4 months ago!
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of XXXX mail XXXX. To : JPMC Bank, they never responded back. But yet this bank has pit this balance on my consumer report. Had this company Done their due diligence and answered my dispute they wouldve have seen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Product: Mortgage

I used Fortune Title Agency 's Services for my closing. Six months later, after not receiving a tax bill I contacted my local tax office to inquire. I was informed that my taxes and water/sewer were both delinquent and the property was not even in my name. Tax liens and judgments were to follow based on non-payment. turns out that Fortune Title Agency failed to register the deed with XXXX XXXX, thus causing a litany of problems and subjecting me and my property to enormous liabilities. I am still considering suing them for breach of contract, negligence and negligent misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me 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

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 : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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

VEHICLE WAS TOTALED IN WRECK AND OTHER PARTIES INSURANCE PAID IT OFF YET IT IS STILL POSTED ON MY CREDIT REPORT COASTAL CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX
Product: Checking or savings account

Capital One has frozen all of my money and I do not have a dollar to my name. I am a self employed individual who does housekeeping for a living. They are telling me that I obtained a business loan and it went into a personal account. I operate my business under my name and social. I do not have a EIN number or a business name because it is not required under PPP rules. I need your help to try to resolve this before I file a lawsuit against Capital One. I am stressed wondering how I will pay by bills because I do not have a dime to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$68000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Checking or savings account

I've had a open checking account at Alliant Credit Union for over a year however the account has been dormant most of this time. When I would call to gain access to my account they wouldn't get back with me and then finally told me that they closed my account. I kept getting emails from their automated system every month saying my monthly statement was ready. Well one night I accidently bumped into my login credentials and was finally able to access my account. I accessed the account and made a deposit into my open checking and also savings account. I then tried to order my debit card and access some of the online features of the account but was unable to do so. I left multiple emails trying to figure out why the account was locked and unusable. I recieved no response and then one day I went into the account to check on it and discovered they had combined the funds from the checking and savings and closed the checking while putting the funds into the savings. The savings is unusable and locked. I am still unable to order a debit card or access the funds in my savings. They closed the account moved the funds and continue to deny me access to my money.
Product: Checking or savings account

Wrote a check from our XXXX XXXX account on XX/XX/2019 for {$8400.00} to pay my Bank of America Mastercard. Check was made out to Bank of America. I have the carbon on the original check # XXXX. The check was altered by what appears to be an employee at Bank of America. That individual cashed the altered check within Bank of America. Bank of America cleared that check for that large amount despite the check having our MasterCard account number written in the memo section on the check. Bank of America will not return our numerous phone calls or emails to even say they are working on it. XXXX XXXX  has been contacted and they are trying to get our money back but there is no communication from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Credit card or prepaid card

Per the Citi company : APR for purchases is exact same for cash advances. Due to Citis payment allocation rules, cardholder is unable to payoff cash advance before paying off purchases. Result a {$210.00} advance on X/X/17 created {$3.00} interest in XX/XX/XXXX. Even though the monthly bill was paid in full by the due date the XX/XX/XXXX transaction created {$6.00} interest in XX/XX/XXXX and even though that bill was paid in full by the due date the XXXX transaction created {$5.00} interest in XX/XX/XXXX. The credit card agreement does not document this scenario no does the monthly bill. Without calling in, a cardholder would have no understanding of how the interest was accruing or how to stop or prevent it. In my words : In consulting with Citi, I was told the only way to stop the interest is to pay the entire charged amount due in full and not use the card for a month. Essentially, a one-time cash advance created a continual interest income for Citi.
Product: Consumer Loan

Roadlloans.com did a hard credit inquiry on my credit report, I did not give them permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} Bankruptcy Chapter XXXX Bankruptcy XXXX Asset Amount : {$0.00} XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the XXXX data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - XXXX : XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXX  XXXX XXXX : XXXX - XXXX XXXX XXXX  : XXXX - XXXX XXXX XXXX These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite XXXX 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. Emotional distress caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the XXXX data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Checking or savings account

I was referred by a friend about the {$400.00} sign up bonus with Capital One. I read the terms and it seemed quite simple so I decided to proceed and entered the promo code XXXX XXXX I have a screen shot to prove it ). I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : of {$1100.00} on XX/XX/XXXX, then {$1200.00} on XX/XX/XXXX, then {$1200.00} on XX/XX/XXXX, then {$1200.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus and it is XX/XX/XXXX. I called Capital One yesterday and they said I did not put the promo code in, which is a total lie because I made 100 % sure to do this, otherwise I would not have opened the account. I took a screenshot just in case something like this happened. They are saying there is nothing they can do and of course I am helpless against a large financial institution so I dont know how else to go about fighting my case other than submitting here. I know for a fact I entered the promo code. I called back today and no case had been submitted so the gentleman submitted it ( or at least he says he did XXXX, but this time I took note of the case ID. I referred my wife and my sister and the exact same thing happened to them and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I can provide the screen shot of the promo code attached to the account opening confirmation, because Capital One says there is nothing they can do. This is very frustrating, and I will have my wife and sister submit a complaint as well. Thank you very much in advance.