23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. 
The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. 
Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. 
I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. 
I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. 
I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.
Product: Debt collection

XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX XXXX 
I responded to XXXX, XXXX and XXXX attorney for Midland Funding, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, ( Equifax ), block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 5 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EQUIFAX CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH ARE THE RESULT OF IDENTITY THEFT AND FRAUD. THESE FRAUDULENT ACCOUNTS CONSIST OF AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AN AUTO LOAN OPENED AT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A PERSONAL LOAN OPENED AT XXXX XXXX XXXXXXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A CREDIT CARD OPENED AT XXXX XXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AND A CREDIT CARD OPENED AT XXXX XXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This debt is over XXXX years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is XXXX years, and I reside in the state of Oklahoma. My last date of activity for my synchrony bank account is XX/XX/XXXX, but XXXX has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for synchrony bank was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed XXXX from my credit report, and XXXX removed it at first but then placed it back on my credit report, because they claimed XXXX said the information is correct. I even gave XXXX the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. I have filed XXXX disputes regarding this with XXXX. XXXX online, and another over the phone with all the required documentation. XXXX is refusing even with the documentation to remove this from my credit report even though it is outside of the statue of limitations in the state of Oklahoma. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over XXXX years old and in the state of Oklahoma is no longer within statues to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus, XXXX, Experian & XXXX are reporting accounts that were not authorized by me. I have submitted documentation per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove
Product: Credit card or prepaid card

Delta sky miles American Express card Signed up for card with delta agent at airport for XXXX miles -also received delta mailing with XXXX offer ( thought it was welcome kit ) also received card and separate mailing with pin. when I called to activate card and confirm I received offer of XXXX miles with $ XXXX purchase in 1st 90 days - Advised by Amex rep I only have XXXX mile offer - and she could/would not change - I asked for manager - she advised none avail all in meetings. After over 30 min requesting correct offer and supervisor - rep advised she would file case for me. She advised it would take 8 weeks - ironically- offer would expire by time case resolved - I feel I have been deceived and scammed. Rep not helpful and not willing to escalate to supervisor. I requested supervisor call back after XXXX XXXX next biz day - recvd call at XXXX XXXX - advised I could not take call during work - asked for number to call back and supvr name - advised she would/could not give her number and I requested call at XXXX Now XXXX XXXX no call from Amex - i feel this is extremely deceptive - classic bait and switch - offered one promotion and not enrolled properly - I offered details and still denied the appropriate offer. Amex case process does takes 8 weeks so participants can not earn XXXX reward. Big company making it so difficult to resolve issue that consumers give up! Please help consumers stop the bullying by big financial services companies!
Product: Checking or savings account

I had 3 accounts with Capital One, two checking and one Savings account. I received notification by email that the accounts had been closed. I reached out to Capital One to determine what had happened to the funds in the accounts and was told a " close out '' check would be mailed to me and to wait 7-10 days. I received a check for {$7.00}. I called back, as there was over {$72000.00} in the accounts and after being transferred back and forth multiple times was told the " bank had determined all the money in the account was fraudulent and the only true value of my accounts was {$7.00} '' which was the close out check In XXXX of 2020 my sister in XXXX had arranged through an intermediary to transfer {$39000.00} and {$33000.00} to my accounts to help her buy a car. She had transferred money to me in the past and I didn't think anything of it. I had over {$39000.00} in those accounts prior to those transfers AND I had the accounts for over 15 years, first with XXXX and then with CapitalOne when they bought them out and had never had any issues with them or any other banks with which I have long business and personal financial relationships. 

I found out later that one of the transactions for {$39000.00} had been reported as fraudulent by the person or persons she had trusted as an intermediary and had initiated the transfer on her behalf and the transfer was reversed. The other transaction had no issues but CapitalOne also insisted it be reversed. My sister tried to have this done unsuccessfully because they had not filed any complaints. The total amount of {$72000.00} which includes {$39000.00} I had for several years prior to the mishap and the remaining {$33000.00} which could not be reversed has been sitting in those accounts for the last 2 years. You will have records of the complaints I had to file in the past to get answers as it has been impossible to get someone to actually talk to. 

My sister who is a XXXX  has since filed criminal complaints in XXXX against the persons who she had trusted to wire the money to my account. I can provide evidence of this if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

XXXX XXXXXXXX XXXX
Product: Mortgage

In XXXX of XXXX the loan payment was increased from {$710.00} to {$1300.00}. The loan statement for XXXX shown XXXX payments from the escrow account. XXXX for " XXXX XXXX  '' and XXXX for " XXXX XXXX  XXXX '' totaling {$1700.00}. 

XX/XX/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 I checked with our county tax accessors office, and the county tax clerk stated the property taxes on the mobile home were not in arrears and had never been in arrears. We got copies of each year 's tax receipts going back to XXXX showing that the taxes had been paid on time and by who and sent them to Select Portfolio at their request. I requested the delinquent tax notice from Select Portfolio showing the taxes were delinquent and what properties the multiple tax payments were being applied to and what tax entity received the payments. Select Portfolio has NOT provided these documents. As of this date the erroneous delinquent tax and tax penalty charges are still being applied to the escrow account and Select Portfolio is trying to collect them. Since then, we have dropped the escrow account from the loan. Since first contacting Select Portfolio about this issue, I have been contacted numerous times stating my loan payment is delinquent. I have had more and more difficulty talking with representatives who simply ask if I want to pay the escrow charges without looking at the notes on the account. My online account has been locked numerous times without provocation while I have been online looking at documents. I've been told the issue has been sent " up to '' Select Portfolio 's " Legal and Tax '' department with no response from said department. I have continued to pay the principal and interest on the loan without hesitation.
Product: Credit card

My wife and I have lived at our new home for 3 years this XXXX. It is a new address in a new subdivision. The only people that have lived at this address is my wife and I. We have received credit cards and letters from credit card dispute departments in someone else 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. Regional acceptance corp is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Product: Credit reporting

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX, Experian and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Product: Consumer Loan

Dear Sir, Madam, I would like to file a written complaint against Southeast Toyota Finance ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ), My Account # XXXX. I had leased a XXXX Toyota Highlander from the company. As my lease term expired, I decided to take out a fixed rate loan from XXXX XXXX XXXX XXXX to pay off Southeast Toyota Financial. I requested a pay off quote from Southeast Toyota Financial and explicitly asked for the various fees to be broken out ( {$350.00} lease termination fee, {$90.00} Doc. Fee, {$480.00} Estimated Property Taxes, {$1300.00} Sales Tax, {$20000.00} Residual Value ) instead of one everything burried in one final grand total figure. I called back several times to request a break down of the pay off quote. My rationale was to be able to proof to my CPA that Sales Taxes were paid ( which I can deduct for tax reporting ), and Property Tax payment was made. As you might know the property taxes for leased vehicle is paid by the lessor and subsequently charged to the lessee. In other words I need a proof of payment indicating that Southeast Toyota received my funds, so when my local Tax Collector calls me i have a proof. It turned out that I overpaid my property taxes approximately by {$50.00} to Southeast Toyota Finance. My new lender ( XXXX XXXX XXXX XXXX ) sent over the Odometer Statement along with the check for the pay off ( {$23000.00} ). I also found that the {$90.00} documentaion fee was burried in the small print on the back of the lease agreement. I truly think that the way Southeast Toyota handled this situation was very deceptive and unprofessional. I spend several hours on the phone and they promised that the documents and the refund check will be sent out. I recived no resolultion regarding my case. I am hoping that someone can escalate the issue and protect me from predatory lending as this. Looking at the way these leasing companies are luring people into leases is very deceptive : not disclosing fees the proper way, not educating the client about the terms and conditions. 
Your kind help is greatly appreciated. 
I can be reached at XXXX. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2017 my money order XXXX in the amount of XXXX was stolen. I did a trace for XXXX which o thought would help to get my monies back. This has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2019. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX
Product: Credit card or prepaid card

Good Afternoon, I dont know if you can assist me or not, but recently I applied for a XXXX XXXX credit card ( XXXX ) from Barclays. I was approved and did a balance transfer for {$5000.00}. I paid off my XXXX XXXX card and got 1 year free financing. I just had to pay a 3 % ( {$150.00} ) fee to do that. Which I consented to. When I got my first statement I noticed the new card balance was {$10000.00} so I called and was told there were two transactions for {$5000.00} to XXXX XXXX and that I would have to call XXXX, which I did. XXXX sent me a check for the {$5000.00} over payment. Which I cashed and paid on the new XXXX card. When I got my next statement, I saw a {$300.00} finance or other Fee charge. I called Barclays and was told there were two transactions and transfer fee of {$150.00} each.hence the {$300.00} charge. I told them I only had a {$5000.00} balance that I transferred. Apparently, being unfamiliar with the website and thinking that it did n't go through, unintentionally submitted it twice. Obviously not intentional.why would I want to pay {$10000.00} on a {$5000.00} balance. But I couldnt get them to waiver the fee as they said they carried out two transactions. Can you help with this? I am just seeking to get the second {$150.00} charge reversed.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, ME XXXX
Product: Money transfer, virtual currency, or money service

I missing so much money from my cash app I lost over {$200000.00} just because of cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. Navient confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( Sallie Mae ) and that they could not remove the falsely reported information although they ( Navient ) are the current servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$1500.00} XXXX {$0.00} XXXX {$11000.00} XXXX C XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Equifax, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Ohio XXXX I have already attempted to update this information directly with Equifax but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received too many inquiries in the last 3 months about credit applications under my name, which I haven't applied for. I have already filed a freeze with one of the credit reporting agencies.
Product: Mortgage

In XXXX of 2014 a contract was written for the sale of the property address of XXXX XXXX XXXX with Chase being the primary mortgage holder. There are also XXXX junior liens on the property. An offer in the amount of XXXX was submitted via a short sale. The XXXX and XXXX lien holders accepted, however, Chase rejected the offer over a {$1500.00} shortage. The seller, the buyer, the agents and the attorney all offered to compensate for the XXXX difference and Chase further rejected to help settle and close this case. 8 months later the buyers decided to move on thus causing this deal to have to re-start. Another offer has been secured and we need for Chase to offer full cooperation in the sale of this property especially while the property is desirable.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act 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 sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. XXXX, XXXX XXXX, XXXX  XXXX XXXX. My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.