23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I received a notification through XXXXXXXXXXXX  that a hard inquiry made on both XXXX and XXXX credit agencies on XX/XX/XXXX  by Tower Loan XXXX XXXX XXXX XXXX, XXXX, MS XXXX However, I did not request any financial services from Tower Loan and called multiple branches to inform them about unauthorized requests at the numbers below : XXXX XXXX XXXX I've been advised by customer service reps at these branches to file a credit reporting dispute using online form at https : //www.towerloan.XXXX and to dispute it with XXXX and XXXX credit reporting agencies directly. Nevertheless, I received a letter from Tower Loan dated XX/XX/XXXX  that stated that " this appears to be a valid attempt to obtain credit '' and no additional information has been requested. XXXX Credit agency sent a letter confirming that they removed a hard inquiry because it " was deemed a fraudulent application ''. XXXX has not responded as of yet.
Product: Credit reporting or other personal consumer reports

I have filed two previous complaints against the Oportun company, and they responded that they messed up with the loan issues, and said that they would close the account and would not do any further wrong credit reports. They are STILL making negative credit reports, even after the TWO PREVIOUS COMPLAINTS have been closed. This is about the XXXX credit report that they put on my credit score report, and they have messed it up AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I just got my drivers license XX/XX/year>. I got the car loan on XX/XX/year>, a couple days later after getting my license, this was my first car, I did not know anything about the interest rate and they did not explain it to me. They just told me that I had been approved for a {$570.00} a month payment based on my credit score and income. This past XXXX, I just noticed that I will have already paid for the value of the car, by this XXXX in payments total but none of my payments are going towards the car, the principal. All my payments are going towards the interest rate. I think this should be illegal. I was thinking that my interest rate was 10 % something normal, but it is 25.70 %. 

I did call them and ask them could my interest rate be lowered and they said they do not do that. Also, when I tried to refinance with another company, so that I can lower my interest rate, they said that I could not because Global Lending Services, had been reporting that I was late on payments, so it made my credit score lower. I would like for them to report all the times that my account was in good standing. I would like more of my payments to be applied to the principal and my interest rate to be lowered. With this type of loan, I will be paying for two of these cars, well XXXX XXXX. This is really unfair and this should be explained to the buyer at the loan signing process, so they understand and negotiate a lower interest rate.
Product: Checking or savings account

I received the promotion from Chase about new Sapphire Checking account. It stated I should have received XXXX ULTIMATE REWARDS BONUS POINTS after transferring a total of $ XXXX.I applied the coupon code and opened the account in XX/XX/XXXX and have kept the above XXXX balance in Chase YouInvest investment account ever since. 

However, it has been five months since I opened the account and I never received the reward points.I tried to contact Chase multiple times and they claimed I never had the coupon code. I was really frustrated and have showed them the coupon code I received and applied. There are no follow-ups and I am really concerned now as this is not the way Chase should treat its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

My account XXXX with XXXX XXXX was hacked and attacked by scammers XX/XX/year>. Please see attached report. This account should be closed and deleted from all credit reporting with a paid in full status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT BALANCE : {$16000.00} ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX  ACCOUNT BALANCE : {$64000.00} ACCOUNT NAME : XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Portfolio Recovery Associates , LLC. Around XX/XX/2022, to request verification of my debt to them. I demanded that they produce my original contract containing my signature, which was not done within 30 days of my request. 

Additionally, the agent opened a dispute on XX/XX/2022, which should have triggered the removal of said items within 5 business days until the investigation was complete. That never happened. The questioned items are still on my consumer report and have remained since then. 

Since XX/XX/2022, the company has only sent a billing statement from XXXXXXXX XXXX XXXX which does not verify any debt. There have been XXXX attempts to furnish my original contract, nor any efforts to make an investigation/ rectify this matter in a timely or fair fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the
information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit card or prepaid card

Hello, I have the unfortunate news that Capital One has decided to to bait and switch me as a customer with their signup offer. I applied for a Capital One Spark Card on XX/XX/XXXX, which was the final day of the Spark offer in XXXX, application must be submitted by XX/XX/XXXX. The signup bonus was for XXXX points after {$5000.00} spend in the first three months and an additional XXXX points. I am not being told that because I was not approved until the next day that they will not honor the terms of my application. I was never denied for the card and this all occurred under my original application. I would like to report this flagrant bate and switch by Capital One and their unwillingness to honor the terms of their agreement after many phone calls where I presented them with this opportunity. 

Terms of Signup at time of application : Capital One Spark Miles for Business. Earn XXXX miles when you spend {$5000.00} on your card within three months of opening it. You'll get XXXX bonus miles when you spend {$50000.00} in the first six months. 

Offer I ended up receiving XXXX miles points after XXXX spend within three months. 

Here is a link to a blogger summarizing the expiration date and terms of the offer : https : XXXX https : //www.businessinsider.com/last-chance-capital-one-spark-business-card-offers Attached is a screenshot of my application confirmation email and the approval email on XX/XX/XXXX. That approval email on the XXXX was my first indication that they had something incorrect with the signup bonus. 

I called immediately on the XXXX to discuss what had occured and they told me to wait until I received my credit card so that they could ensure the account creation. I waited and once I received the card I called back on XX/XX/XXXX, they escalated the case and as of XX/XX/XXXX they had decided not to honor the signup bonus. I followed up with Capital One XX/XX/XXXX to try and discuss it and was told they had no one to escalate the case to as it was final. 

I am concerned with the ethical behavior of Capital One and it makes me concerned to do further business with them as this is a very simple and straightforward signup case that they will not stand by. I can only imagine how they may choose to do business in the event of a much larger transaction issue. I believe consumers need to be aware of their business practice of bait and switching signup offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes to transunion. They took XXXX days each time I sent them a dispute. I disputed the following accounts. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX All of these items were disputed multiple times. Each time transunion took over 30 days to actually investigate it and violate consumer protection laws. 
The company can not actually verify any account as I have never signed digitally or manually any documents with these companies as well as have not authorized any of these companies to report to my credit. I have submitted requests on XX/XX/23 XX/XX/23 XX/XX/23 All my attempts to actually have them remove due to violating multiple laws have gone unchanged.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

I have my insurance and taxes included in my mortgage payment. I was going through some busy times and completely forgot that the property tax payment was included in my mortgage payment thus made the payment for the 2024 XXXX and XXXX installment payments when received the property tax bill from the XXXX XXXX XXXX XXXX Collector. The XXXX refunded me for the XXXX installment as the lender paid them as well and kept the XXXX installment while my lender was charging me the taxes in my payment for the taxes in my mortgage payments. I have called my mortgage company and explained to them the scenario and they promised to resolve it within a week. I called after XXXX weeks as weeks as what they promised me was never notified to me and could not get any kind of information from their tax department. The guy was hardly speaking XXXX and knew a few basic words while completely showing the lowest level of competence to resolve tax related questions. I called again and again and again only to be hung up the phone on when the answers to my questions were not provided.
Product: Student loan

In XXXX, I was fully enrolled in the SAVE plan and protected from interest accrual by special forbearance that was instituted during the pending SAVE litigation. After being directed by Nelnet and the Department of Education to re-certify my income, Nelnet moved my account from forbearance to " processing '' which caused interest accrual. There was no indication on Nelnet 's website or communications that re-certifying a currently enrolled program would move the entire account out of SAVE and into a " new IDR application. '' I have since learned that borrowers were not required to re-certify, and those that did not remained in forbearance. None of this information was provided at the time of my re-certification. Now, after XXXX phone call, XXXX complaints directly to Nelnet, and XXXX complaints with XXXX ( XXXX XXXX. XXXX ; XXXX ), Nelnet has refused to remove the interest from my account or demonstrate that they provided proper notice as to the risks of re-certifying ( as supposedly required by the terms of the SAVE plan ). This interest is causing and will continue to cause me harm because it artificially inflates the total amount owed on my account, and it will require me to pay more money than I am actually obligated to under the terms of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumers Financial protection Bureau Date : XX/XX/2022 Re : Wrong Address in my credit Report After I contact experian credit report regarding a fraud address in my credit report They suggested to contact Cunsumer Financial protection bureau to file a fraud address report in my credit records. 
The fraud address in credit report : XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I opened a savings account and deposited a check that turned out to be forged. I alerted the bank and asked that the Bank stop payment on the check because it was a forgery. The bank did not do it. Because the check was from a company in XXXX it caused a balance due to the exchange rate. I spoke with the Bank President who said they would write it off. The next thing I heard was from Walla Walla collection agency. They called me by phone. I tried to explain this to them by phone. They then sent me some information by mail which they told me by phone I should have received. I responded with the facts about this debt and how it was not my fault. They never responded and so that led me to believe it had been resolved. About two years later they placed a derogatory remark on my credit history without contacting me first. I wrote them to try to resolve this and they continue to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 


This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 


Here is the account that keeps negatively being reported XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 





XXXX XXXX XXXX  XXXX XXXX XXXXPresident and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX Email-XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Email-XXXX XXXX XXXX XXXX XXXX  Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Product: Money transfer, virtual currency, or money service

Im expressing my concern regarding to Zelle handling disputes improperly. Seeing the CFPB lawsuit realizing that my bank and Zelle. Failed to look deeper when I reported problems I was unable to get money back, basically telling me that the transactions wasnt trackable. CFPB indicated that Zelle have failed to protect they consumers and allowed repeated offenders to get access to they systems.
Product: Checking or savings account

My Direct Deposit was not processed as per usual around XXXXXXXX XXXX. I called Chime Support to ask why that was, they said it was due to a bank holiday. I said I received my check on Wednesdays not Thursdays. They seemed to be holding my check. They said I would receive it on Friday. I felt harassed. The worker took no responsibility for the lack of adequate service and the look of fraud on his end.
Product: Credit card or prepaid card

On XX/XX/2021 I tried to redeem XXXX Barclay Rewards points for {$75.00} in cash back rewards to my credit card or bank. However, as of today, I have not received this amount. I escalated the issue a few weeks ago to " XXXX '' a customer care manager, who gave me a case number : XXXX. My rewards points docket still shows that the order is " in process '' yet it's been over 6 months now.