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

Hello, Today XX/XX/2024 I tried opening the savings account from my phone with the opening bonus offer code XXXX which would allow me to earn a bonus on the money that I would be keeping in my account. 
Offer Url - https : //www.capitalone.comXXXX Halfway through the application process, I was asked to verify my identity through id card upload which was failing from the Capital One app. The app asked me to contact Capital One and get in touch with the agent. 

Upon, contacting the bank as directed, my call was transferred multiple times and I was introduced to an employee XXXX, who opened my account without the bonus code. 
Additionally, I was asked by the app to deposit funds, which I did for XXXX XXXX 

The next person XXXX did a quick check and confirmed that the code was not applied and the updates can not be made. This would mean that I would miss out on XXXX $ that I was promised before opening an account. 

I asked them to close the account then, to which they said, the account can not be closed as there is a XXXX $ transaction in progress and I need to wait for it to get through and then request for closure. 

Frustrated by this whole experience, I tried getting in touch with a manager to register a complaint. Eventually, I was connected to XXXX ( emp id XXXX ) and she registered my complaint and gave me this complaint number - XXXX. 

She however did not help provide an email address where I could raise this concern to the customer protection department. 

I strongly feel this is a clear practice of scamming/click-baiting customers into opening an account with Capital One and then not providing bonuses that were promised after 3-6 months. 

I request you to please look into this and help notify Capital one higher-ups of these shady practices. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no business with LVNV account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights.

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies, especially XXXX responded by email on XX/XX/2024, that they still investigating and waiting for the furnisher. Clearly they are not following the law I have clearly stated in the letters I sent to them, stating that late payments are not included and should not be included in the consumer reports, according to FCRA 15 use 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. 

Also 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I just sent the consumer reporting agencies and XXXX XXXX another letter that will be attached here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Equifax for their persistent failure to address my disputes regarding unauthorized accounts on my credit report. I believe that their actions are in direct violation of 15 USC 1681e, which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

Despite my repeated attempts to dispute these unauthorized accounts, both XXXX, XXXX, and Equifax have neglected to investigate my concerns adequately. They have failed to provide me with a clear explanation of their investigation process for disputed accounts, as required by law. This lack of response and failure to adhere to the law has caused significant distress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, Experian has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. Furthermore, I am concerned that Experian is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. I urge you to investigate this matter thoroughly and take appropriate action against Experian for allowing fraudulent and negative information to be reported on my credit report. I also request that XXXX remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my XXXX XXXX Account with Equifax multiple times over the years and they have continuously failed to properly report my account. It is impossible for my account to be closed AND 120 days late. Also the historical information has continued to be reflected incorrectly over years and has severely affected my reputation. Please delete this account.
Product: Credit card or prepaid card

Someone hacked my account and was able to clone my debit card. My pin number was also compromised. In doing so, the hacker was able to go to an ATM and pull out {$220.00} and {$80.00} on XX/XX/XXXX & XX/XX/XXXX. They also were able to withdrawal {$320.00} & {$80.00} on XX/XX/XXXX & XX/XX/XXXX. I reported it on XXXX I believe. The bank mailed me paperwork to turn in so that I would get my money back. However the banks fraud team denied me my money. I was under the impression that the victim has zero liability if the victim reports the claims immediately. 

P.s. 
I bank with US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

A listing of the companies that made inquiries on my behalf that i did not give permission. For example XXXX XXXX made 2 inquiries on the same date XX/XX/XXXX, it should have been one inquiry. XXXX XXXX XX/XX/XXXX, Credco made several inquiries:XX/XX/2020XXXX ( twice on the same date ), XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX I can not remember the date on this one. All of the above companies made this inquiries without my permission except for XXXX in which should have been one inquiry for my Solar Panels. May also add that all three Credit Bureaus were informed of this mistake and their answer was that that : '' I had to write to the creditors to have this inquiries removed and I was told to put a credit freeze on my accounts if I did not want anyone to check my credit without my permission. The inquiries were NOT removed by neither of the three Credit Bureaus. This is to name a few. Please do not include XXXX XXXX  XXXX XXXX, XXXX XXXX on the complaint.
Product: Credit card

the XXXX of XXXX a purchase was made for an XXXX cruise worth XXXX. I noticed it about a week later and disputed the claim onlineXXXX  and XX/XX/year>. They said they would investigate the issue. I did not hear anything back and the dispute was not resolved. I called again XX/XX/year> to dispute the charge over the phone and to cancel my card. I had heard nothing back and though it was disputed. They had not sent me a letter with the disputed information as they said they would provide. I had also gone on XXXX and have heard nothing. When i checked XXXX, the dispute had failed, I had late fees and my card was not cancelled or was I contacted. I have taken a credit score hit, late fees, and still have the charge. I do not know the way forward
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on thisXXXX XXXX XXXX for months.XXXX and TXXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

They keep on sending me emails telling me I'm going to be arrested for a loan that : a ) That I either took out and was paid. 
b ) A loan from a company that I never heard of or taken a loan from
Product: Checking or savings account

Truist has been our bank for over 30 years. Around XXXX, we discovered fraudulent charges being made to our debit card. The money was returned, and all was well. We decided it was time to switch banks, because the customer service was horrific and much more difficult than it should have been. The bank account was frozen, so no debits could be made. We moved our money out of the account and we were told that the account was closed. It is now mid XXXX and we are getting notices about overdraft fees. The banker will not show us what the fees are from and what charges were made. We will not pay blindly. All we are asking for is to see the charges. If they are charges done by us or bills in our name we will gladly pay it. We will not pay overdraft fees that were accrued from the account after it was supposed to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

There is an account showing on my credit report from a company named XXXX XXXX XXXX XXXX XXXX. ( ERC ) It's showing a past due balance from XXXX for {$150.00}. I've never had an account with XXXX. Someone gained access to my Driver 's License in XXXX. A Validation letter was received from ERC on XX/XX/XXXX from me asking to show proof that it was my account. On XX/XX/XXXX, I received a letter in response to the request including old billing statements. On the billing statements, it shows my name but it shows an address that I've never lived at and it also shows mobile numbers that I've never had. They did not provide any type of contract or signature showing that this is my actual account. The is affecting my credit negatively and they will not remove it. I'm being punished for an account that is not mine. I am not in any way responsible or have any knowledge of this account.
Product: Checking or savings account

On XX/XX/2021 I found out that my account was frozen for no apparent reason. I went to the BOA branch in XXXX XXXX NY, I explained whats going on and he made the call he beleived me after that call. I'm on a fixed income and BOA is holding my funds hostage for no reason. I had XXXX XXXXXXXX and I'm on a fixed income and I have XXXX children and can not afford the high corporation bank as BOA to keep getting away with this.
Product: Debt collection

A negative item was reported on my credit profile on XX/XX/XXXX of XXXX  showing some serious past due date with {$160.00}, which was assigned to an attorney, collection agency, credit grantor, or internal collection department
Product: Mortgage

The beginning of XX/XX/2022 I put in a bid for the house on the XXXX XXXX XXXX XXXX XXXX South Carolina my realtor XXXX XXXX call me and say that I won the bid I got in contact with my lender which was XXXX XXXX we talked about what all she had to do far getting things in order to close a week went by & I call to touch bases with her she telling me shes working on it as we speak and looking to close XX/XX/2022 the next week XXXX XXXX gave me a rundown on how things need to go & what she was needing from me the the 3rd week of XXXX she told me things was going when I call & text XXXX that Thursday she didnt answer my call or text nor my realtor XXXX XXXX XXXX avoided us for a day when she call she was asking for things IVE already given to her & she told me she couldnt use my XXXX XXXX housing certification XXXX which is {$5000.00} I keep asking her whyi couldnt use & why you r needing all this stuff again when I have given it to you XXXX kept coming up with EXCUSES about documentation work Verification my pay etc on Monday I call XXXX asking her whats going on she still coming up with excuses I then XXXX will I still be able to close on the XXXX of XXXX XXXX couldnt give me an answer I received a call from XXXX XXXX representative asking if I had gotten insurance elsewhere I call XXXX again asking her did she not speak with them because I emailed XXXX all the information she needed for the insurance XXXX ask if I could resend it again and I did I thing told XXXX XXXX dont think you understand you are PLAYING with my livelihood Ive Gotten everything at my apartment to be turn off on the XXXX and everything that needed to be turned on at XXXX XXXX XXXX XXXXurn on so Im spending my money and the only thing you can stay is IM SORRY. DEALING WITH XXXX IVE HAD TO pay {$150.00} to have thing turn on then had to GO back to have everything turned OFF AT XXXX XXXX & everything at my apartment turn back which I now have to spend money to stay if possible the remaining of the month that I didnt have Ive paid for inspection, appraisal and termite inspection out of my pocket XXXX waiting until Thursday @ XXXX to tell me I will not be closing on my house 5DAYS before closing & couldnt give me and answer why. She only can tell me shes sorry.I try reaching out to XXXX on Friday I ask her to call me providing my name & number I went to XXXX XXXX spoke to XXXX a Reception at the days of XXXX sreception at the Deas of XXXX s office a I call XXXX @ XXXX am she stated she was at home heading to the office waiting on the underwriter to get back in contact with her XXXX call me back at XXXX Friday saying she was still waiting on the underwriter XXXX showed no concern where Im to lay my head after XX/XX/XXXX Im stressing cant sleep nor eat because im trying to figure out where im to lay my head AFTER XX/XX/XXXX I feel like Ive been discriminated disrespected discourage and mislead by XXXX XXXX and CERTAINTY HOME LOANS
Product: Credit card

I filed a dispute on XX/XX/XXXX for a charge of {$180.00}. The charge was for a campground reservation made on XX/XX/XXXX for a stay on XX/XX/XXXX through XX/XX/XXXX. After checking in on XX/XX/XXXX, we found that various facilities were closed without notice including critical things like bathrooms and dump sites. The campground posted notices with instructions to drive 30 minutes away to nearby towns for those facilities. Since we had already checked in before we found out those facilities were unavailable, the campground refused to refund our stay. We ended up having to make alternate accommodations at another nearby campground as the lack of dump station facilities or bathrooms made it impossible to stay. 

I disputed the charge with XXXXChime providing picture evidence of the facility closures and the notices posted by the campground. The phone agent was in agreement that my picture proof would be sufficient to justify a service not as described dispute. My dispute was denied with no reason given or ability to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been over a month i sent transunion a dispute for some information on my credit that should never have been there. I even called to followed up and was advised my dispute would not be processed.
Product: Credit reporting or other personal consumer reports

Dear Capital One, I am writing to request additional details regarding an account previously held with your institution, listed on my credit report under the account number XXXX. Please note that I am not disputing the validity of the account. However, I would like clarification on the following details : 1.The date of first delinquency on this account.

2.The date of the last payment made on this account.

3.The date of the charge-off for this account. 

I kindly ask that you provide this information in writing at your earliest convenience. Please send your response to the address listed at the top of this letter. 

Thank you for your time and assistance in this matter. If you require additional information from me to process this request, please do not hesitate to reach out. 

Sincerely, XXXX XXXX
Product: Debt collection

Upon checking my credit report. I saw a erroneous collection for {$67.00} dollars. 
This erroneous collection account was from a collection agency name Torres collection.

I have no knowledge of such a amount being owed for {$67.00} dollars. This collection that appears on my credit report is fraudulent and is in error.

I want it removed.

It appears on my account every month..and no mail from the alleged debt was ever received.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF ED/XXXX  XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Please find attached a record of dispute ( dated XX/XX/2021 ) mailed to Equifax requiring the addition of the account/s information included therein to my Equifax file XXXX The same was to update my Equifax consumer report at which time a copy of said updated report was to be delivered to me as a result of the re-investigation. This requirement was per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ).

Based on Equifax 's failure to respond or update my consumer report as required, I did deliver the attached reconciliation document ( dated XX/XX/2021andXX/XX/2021 ) within the thirty ( 30 ) day time frame described per 15 USC 1681i ( a ) ( 1 ) ( A ) for re-investigations. Consumer report updates per reconciliation document is by right of the consumer. See 15 USC 1681i ( a ) ( 4 ) and 15 USC 1681i ( a ) ( 5 ) ( B ). Equifax has failed to respond to the consumer. 
As supervisors of the Consumer Reporting Agencies I request CFPB to direct Equifax to update my Equifax consumer report with the attached account information. I ask that you also update XXXX and XXXX with the same information. ( See FCRA 611 ( a ) ( 5 ) ( A ).
Product: Money transfer, virtual currency, or money service

I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. I waited a week for a response, and they ended up telling me they're unable to verify my Identity while they actually verified my identity. I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my New York address. Over and over I get a run around and now they refuse to even respond to my email. I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.
Product: Credit card or prepaid card

This is my third and final attempt to resolve this situation. On XX/XX/XXXX or XXXX of 2021 I was fraudulently charged an amount of XXXX by XXXX for a ticket purchase I didn't make. I have tried to get this charge removed without any resolution from my credit card company Barclays. This matter has been repeatedly closed with an unfavorable decision to me despite the facts that there is no evidence of a purchase by me. I have re-attached the letter sent to me by XXXX XXXX XXXX proving I nor any number associated with my account ever downloaded any application or tickets for purchase during the time in question from this vendor or any third party associated vendor. I ask that my case is reviewed by an independent auditor, aka someone other than XXXX XXXX of Barclays as she has no grasp of the situation and is bias to review the actual facts related to this transaction, as there is no way a competent unbias person in her position would possibly rule against me with the evidence at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having Problems with my someone using my identity which has cause me a great deal of stress. I cant understand how this is happening on my credit. I'm respectfully requesting that this idem be removed from my credit. 
thank you in advance.
Product: Mortgage

XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. 

For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. 

From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. 

We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. 

Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. 

Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!
Product: Debt or credit management

This company XXXX says that I owe them a debt of {$600.00}. I did that Ive never signed or agreed to pay with this company.
Product: Debt collection

This company Harvard Collection has called numerous times. They are asking for someone who does not reside here now or ever! We have had this phone number 4 plus years and my wife and I are the only people here. 

I have asked nicely for the calling to stop, and to remove our number. I was told two phone calls ago the number will be removed. I see that is not happening. 

Please have them stop, thank you.