23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a loan with another company the interest was high over 25 % I wanted to find a better offer, I applied on XXXX I was approved for a loan with 1st investors finance, I had originally applied for a monthly payment of {$440.00} after I went through all the steps online I was asked only to print a registration transfer and mail it in. So I did. In XX/XX/2019 my loan amount shows {$600.00} monthly I called XXXX and 1st investors more then 100 times with emails to complain this is not the loan I wanted. I advised them why would I accept something worse then what I originally had. Every time I am to blame by XXXX even on their website no information was provided about this new loan. They told me they have a glitch on their system I told them they sure do because I did not ask for this loan of XXXX monthly. I have an illness a life XXXX XXXX that I can not afford payments of this amount and would never signed or agreed on such. I just want out of this loan this scam. After XXXX months they send me a truth and disclosure notice I have never seen before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXXXXXX XXXX  XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

I currently have a credit card account with Capital One, and the have increased my APR to a whopping XXXX!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because XXXX only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. XXXX, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She hounded me for my personal feedback. Should this be considered a reasonable business practice? I think not. 
Therefore this constitutes both an invasion of privacy and harassment! XXXX, from customer service, did not have my consent to call me and challenge my right to free speech. 
Finally, Capital One must also be held accountable for poor business practices, customer service incompetence, and the scheme of assigning false identities to their customer service reps in the XXXX. On every occasion whenever they have answered my customer service calls, they have referred to themselves as either XXXX, XXXX, or XXXX. I believe this criterion represents identity theft, which falls within the guidelines of consumer fraud. Also, whenever I have requested that each of my calls be transferred to someone in the United States, the outsourced representative has either hung up on me or has simply dispatched my call to an automated dumping ground, which usually results in my call being terminated. Can one of their corporate executives please justify this practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account The Bureaus for {$950.00} with the balance date ( X/XX/20 )??!?!?!?! And XXXX for {$600.00} I have never had a XXXX account nor have I opened a card or left a balance of anywhere near {$950.00}.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings account. Capital One misrepresentative the 360 savings account as having one of the highest interest rate, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberately obscurity and lack of transparency violated consumers trust and results of significant finances losses for many, branching the Consumer Financial Protection Act in the Truth in Savings Account. I seek redress for the mislead practice and failure to fulfill their advertising promise.
Product: Prepaid card

I have been in dispute for over 3 years. I had sent in to Bank of America a police report and a list of transactions that were not mine. I spoke with XXXX a supervisor in the pre paid claims department in Oklahoma as well as XXXX XXXX. XXXX requested on my behalf that all debits from my account be sent to be. Today I received XXXX pages of those debits and looking them over my account was debited twice for many of the transactions. Some are on different days same place same amount. Some are on the same day different times same amount. This goes on for all XXXX pages. This is another issue. I phoned prepaid and I was told what I was sent and looking at is wrong?? It came directly to me in an email from : XXXX XXXX to : '' XXXX '' XXXX date : XX/XX/year>, XXXX subject : Bank of America Prepaid Card Statement Request mailed-by : prepaidcard.bankofamerica.com signed-by : prepaidcard.bankofamerica.com security : Standard encryption ( TLS ) Learn more So when I phoned today to go over this I spoke to a very rude person who fold me that what I was sent was wrong. and that she didn't have time to go over everything with me and I can be assured that the bank only charged my debit once. Well that is not what my paperwork sent to me shows. It shows double debits. and that is what I have to go on.
Product: Checking or savings account

I receive periodical payments from the department of veterans affairs for travel to and from doctors appointments. I have received over 100 of these payments to my account. On XX/XX/2018 I received one for {$17.00}. On XX/XX/2018 my bank made a withdrawal on my account for {$17.00} without my permission.
Product: Checking or savings account

On XXXX XXXX I orders a XXXX XXXX XXXX mattress from XXXX. Upon seeing a notification in my email that mattress was delivered, I checked my front door to discover no package. I checked with neighbors and leasing office who all stated they did not see a package or receive one @ ( office ). I waited a couple days to see if the package would eventually arrive. After the allotted time I contacted XXXX and made a claim to which they denied. I reopened the claim and XXXX asked for a police report acknowledging that the package may have been taken by a third party. They told me once I provided a police report that they would release my funds. After supplying the police report XXXX again denied my claim. I reached out to chase to open a claim. Chase almost immediately denied the claim stating they did an investigation but did not release any detail into the investigation or as to how the decision was determined. I have uploaded numerous forms of proof to XXXX and chase that show that package was not received including the constant back and forth between chase and XXXX with agents who claimed they would help me only to continuously transfer me on calls and chats between agents. I am honestly fed up with both XXXX and chase and would like them to do whats moral and ethical in this situation. I have been banking with Chase for many many years and did not expect them to turn against a loyal customer this way. I am also considering moving myself and my familys accounts elsewhere.
Product: Debt collection

I disputed this debt sometime ago with this same collection agency. They could n't provide validation and this account was removed from my credit report. I paid the original creditor in full and do n't owe them a penny. After this debt was removed this was placed back on my credit today with no notification no letters no contact after removal. I do n't like there dirty collection tactics, I cant not be forced to pay I debt I do not owe I do n't not have a contract or account with this company and I need this account removed again and never put back unless they can provide me a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. Experian has placed an closed XXXX bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau XXXX Experian and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX and Experian is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.
Product: Mortgage

I entered into a forbearance with Mr. Cooper loans, at the end of the forbearance my interest rate went up and my payment went up because of the payments I skipped. this payment that theyre offering me is much higher than the payment I had before. This payment they are offering me was offered to me after I did a modification that was supposed to help me lower my payment or keep it the same. I was under the understanding that my payments that were missed would just be tacked onto the end of the loan this was not the case for all payments. This company is not specific when you start the forbearance plan because of COVID-19, and telling you exactly what will happen at the end of your loan. When I started the forbearance plan I was not aware that my payments would go up as much as they did or my interest rate would go up, so it is almost impossible for me to make my house payment right now. I have talked with them about this And they say there is nothing I can do.
Product: Checking or savings account

Capital one has not released scheduled direct deposit for over XXXX days now and has not provided any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Fraud. I reviewed a copy of my credit report and ( XXXX XXXX XXXX  XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact ( XXXX XXXX XXXX  XXXX and XXXX ) and investigate such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on Equifax with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Product: Debt collection

Dear Coast Professional, I recently received a communication from your company stating that I owe {$620.00} to the IRS. When I contacted the IRS to verify this debt, they confirmed they had received my tax payment but could not verify the additional amount owed. 

I was never provided any information from the IRS or your company about this additional debt amount or given an opportunity to verify and validate it. Under the Fair Debt Collection Practices Act, I have the right to receive information about the origin and validity of this debt. 

Please provide me with a detailed breakdown of what this debt is for, including the dates and nature of the debt. I would like to resolve this, but need more information first. Please send me written documentation validating this debt within 30 days as required by law. 

Thank you for your cooperation.
Product: Mortgage

SPS denied us a repayment plan home retention in response to RMA we filed on XX/XX/XXXX ( 46 days before foreclosure then scheduled for XX/XX/XXXX ). RMA completeness was affirmed by SPS on XX/XX/XXXX or XXXX, XXXX. In XX/XX/XXXX response letter to our appeal of RMA repayment plan denial decision SPS changed the denial reason given to us to by SPS on XX/XX/XXXX. 
XX/XX/XXXX SPS rejection of the Repayment Plan option was due to our alleged bankruptcy status. In XX/XX/XXXX ( as well as on XX/XX/XXXX ) SPS changed the denial reason and informed us the reason for the denial of the Repayment Plan was because SPS previously provided a decision regarding this program on XX/XX/XXXX. ( i.e. during a separate loss mitigation evaluation conducted twelve ( 12 ) months prior to the XX/XX/XXXX recent decision ). 
SPS unfairly or unconscionably changed loan modification repayment plan denial reason to suit SPS objectives and to deny us repayment plan home retention option. 
209 CMR 18.21A states : A third party loan servicer may not use unfair or unconscionable means in servicing any mortgage loan. 
Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. Tracking number Overnight Express U.S. Mail # XXXX XXXX XXXX XXXX XXXX XXXX SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Product: Credit card or prepaid card

I applied for a Chase XXXX XXXX card on XX/XX/2021. The financial institution, Chase Bank, N.A. , INC denied my application after already entering into the consumer credit transaction. By placing my social security number on an application, creating a debt ( defined under 12 CFR 313.3 ) owed to the United States pursuant to 20 CFR 422.402, giving a security, this creates a financial asset. Pursuant to 12 CFR 360.6, Chase Bank N.A., INC is an investor ( defined under 12 CFR 360.6 ) in this financial asset. Chase Bank N.A. , INC has also accessed my credit report 4 times. This constitutes as unauthorized use pursuant to 15 US Code 1602p because everyone benefited from this transaction but me. After speaking to one of their customer service reps, he advised me that when I submit the application, I am giving them permission to access the account however many times they need to. After the information conveyed through this call, I went back to their application portal to find the terms and conditions, and no where in those terms and conditions does it state that by submitting the application, I give those permissions. This is fraud and 4 receipts from Chase Bank N.A. , INC are reflecting my consumer report. This is inaccurate information being reported and as a consumer my credit history is being impacted negatively.
Product: Credit card

i have contact kay jewelery in reguard to my credit card account several times. I did not receive my XXXX statement and the only reason i did contact them is because i wanted to know the status of my watch that was getting fixed.come to find out they had my name spelled wrong and my address..when i asked more question they told me they would waive my late fee bu no interest. i let them know if i would have received my bill i would had paid my balance in full.. which i gladly paid, now i have a fee only balance and they are still refusing to waive the finance charges.
Product: Credit card or prepaid card

SEARSCREDIT.COM.. log-in easy. But, then tried to redeem almost XXXX rewards points. [ 1 ] Sears dumps its own card holders onto a different web site run by citi.com [ citibank ] ... [ 2 ] Then, impossible no matter which alternative sign-on or verification or new register with THAT website sign up to actually get this Sears-contracted-out website to property acknowledge CORRECT searscard.com info as log-in in order to obtain rewards.
[ 3 ] THAT website repeatedly EITHER WRONGLY says the later-in-process data entered is wrong OR it WRONGLY logs me off even though I did not seek to log of ... [ 4 ] This scam by sears dump-off so it can claim it has nothing to do with the problem is a disgrace. Sears should TAKE RESPONSIBILITY for the citi.com website REPEATEDLY NOT WORKING CORRECTLY. I/we have EARNED these rewards, they are not a gratuitous gift at the whim of Searscard.com. I/we want my/our rewards. [ 4 ] Also, searscard.com 's internal " secure '' e-m does not work either -- - Sears does NOT respond OR it theoretically responds, but its bad IT workers dont allow customers to actually open the reponse " secure '' e-m with SPECIFIC ways to deal with the problem OR simply help us out and order the 2 Sears reward card ( s ) we want [ for {$100.00} and {$25.00} ] ..
Product: Credit reporting or other personal consumer reports

I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following information is incorrect XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXXXXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXXXXXX XXXX XXXXXXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX Account Number : XXXX 4. Validate Account XXXX XXXX XXXX Account Number : XXXX 5. Validate Account XXXX Account Number : XXXX
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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

XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.