23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One charged the contractual annual membership fee on my XXXX credit card account on XX/XX/XXXX. I called their customer service the following week asking for options to reduce or waive that fee, since i do not use this credit card as my main card anymore but do like having it in my wallet for convenience. The only option they gave me was to close the account within 40 days after posting of that fee. Then I asked them to convert the credit card to one of their no-membership fee cards, but the agent said that even then the fee would stay as charged although the agent also confirmed that the annual membership fee that was charged in XX/XX/XXXX is for the next 12 months ( i.e. XX/XX/XXXX through XX/XX/XXXX ). 

I decided not to close the account, because the card has a much lower APR point then a new credit card that i would open today. Subsequently, I asked Capital One to convert this account to their XXXX credit card, which doesn't have a fee, and doesn't have the features as the XXXX card which warrant the fee. However, the {$95.00} fee i paid on XXXX to Capital One stayed with them, and i will not get any of the advertised benefits of the membership fee for the next 12 months for which they made me pay for. 

For reference i had this credit card since XXXX have never once been delinquent and have excellent credit in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness and causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account. Trans Union is currently reporting the same defamatory account twice on my consumer report by two different companies. XXXX XXXX and XXXX XXXX XXXX. 

Please be advised that the original consumer credit transaction was based on an uninformed decision, and fraud by the alleged original creditor and unauthorized use. Your failure to cease and desist from reporting these defamatory accounts will evidence your collusion with these two companies in infringing on my right to privacy, defamation to my character and credit worthiness, and multiple violations of federal law by furnishing, and reporting unverified, fraudulent, and negative account information on my consumer file and consumer report without my express written consent.
Product: Debt collection

In XXXX of XXXX, I followed the instructions provided by Bank of America to access a paycheck protection program loan. My business was started in XXXX of XXXX so I submitted { per instructions ) my first quarter payroll in order to calculate the amount of the loan. I was found to be eligible for XXXX In XXXX of XXXX I applied for paycheck protection program loan forgiveness. Bank of America has been 'reviewing ' my application since XX/XX/XXXX. 8 days ago the bank sent me an email stating that a large portion of my loan was not eligible for forgiveness because I was not eligible for XXXX. I called the bank and received clarification. The bank was using the incorrect documents to calculate the amount that I was eligible for. This is easily resolved ... I just need to upload a letter of explanation. I have called twice in the past 8 days and received the promise that the portal will be opened so I can get this issue resolved. The portal is not open, I can not upload the necessary documents and Bank of America sent a follow up email stating that my application for loan forgiveness will be canceled in 7 days. I will then be liable to pay back the entire loan amount. There is no way for me to communicate effectively with the bank and to provide the requested clarifying documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB that Credit Bureau closed my complaint to protect my PRIVACY. I called the 3 bureau after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit XXXX XXXX XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting or other personal consumer reports

Subject : Credit Score Not Updating Despite Significant Debt Reduction I recently paid down over {$1100.00} in credit card debt, but my TransUnion credit score has remained the same ( XXXX ). This is despite my credit report showing the updated lower balances. This is not the first time this has happened when my XXXX XXXX XXXX Account decreased by approximately {$600.00} and there were no changes in my report. 
When I contacted TransUnion today, they stated that they do not allow disputes or manual reviews for this issue, which I believe violates fair credit reporting standards. Then the representative simply hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my car loan as " Closed '' and the incorrect balance. I have tried disputing this information 3 times and every time, they never change it and then report a higher balance than what it actually is. This is a car loan that was briefly repossessed but then reclaimed within a week. The other 2 bureaus report it correctly as an open installment loan but Equifax is reporting it as a closed account which it is not. It is open and I am actively making my regular payment on it. It is affecting my credit score and is incorrect.
Product: Credit reporting or other personal consumer reports

recently o looked at a copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit it is my undestanding tha you will investigate these items for me to ensure accuracy. 
here is item im asking you to verify as accurate EXPERIAN : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX. : XXXX XXXX XXXX Account # XXXX XXXX : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting 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. 

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  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 or other personal consumer reports

I recently reviewed my credit reports from XXXX, XXXX, and TransUnion and discovered multiple incorrect items, including inaccurate personal identifiers. During the week of XX/XX/XXXX to XX/XX/XXXX, I contacted each agency to dispute these inaccuracies, providing them with my correct name and address. Despite my efforts, the CRAs refused to remove all the inaccurate information. 

This continued reporting of incorrect information poses a significant risk to my privacy and security. It increases the likelihood of personal mail being sent to the wrong address, thereby exposing me to potential identity theft and fraud. The failure of these agencies to correct these inaccuracies despite clear evidence constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that CRAs ensure the maximum possible accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX points down stating that it is a new bankruptcy when it is clearly not the case
Product: Credit reporting or other personal consumer reports

I never recieved a 1099c despite reporting the account as charge off, paid profit and loss.
Product: Mortgage

Wednesday, XX/XX/XXXX  ; Selene Finance. Selene Finance said I am foreclosure that I missed six payments. I paid in XXXX on a pay site online. they wont let me make up the other payments. I never received anything from the Sherriff 's office for foreclosure or from my local district. I want to work with them and try to make up payments with them and am willing to work with them. we've been in our house since XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX cell : XXXX work : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX XXXX & XXXX XXXX, ACCOUNT 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 an account without my written instructions
Product: Consumer Loan

I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. 
Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.
Product: Credit card

I rented a vehicle from XXXXXXXX XXXX XXXX XXXX on XXXX I returned the vehicle on XX/XX/. 
XXXX billed me for 8 days instead of the ,5. I have since fixed the issue, XXXX even credited my account but Aspire closed my account stating that I sent over my credit limit, explaining that it was no fault of my own, they refused to reopen my account. 

I had a {$500.00} limit. My credit balance is {$340.00} The card is through Aspire XXXX
Product: Mortgage

We live in Florida. We were under a trial payment plan for modification of our chase loan. We paid on time than our house burnt. we missed XXXX payment of course for additional housing until The Insurance company paid which they since have. We want to rebuild and move back in but the chase mortgage says no to our loan modification. we really want to keep this house through our mortgage .The chase has our insurance payment of {$80000.00} in a restricted escrow. They told us there was not enough income. we have {$7000.00} saved from our insurance settlement to modify this loan. It does not make sense to leave a burnt house standing when we could rebuild and live in there again. They gave us XXXX options to short sale or turn over keys. We really want to save this house for we will end up with nothing because of a fire.I am going to write an appeals letter and retry again. I am very distraught as to where we are going with all our pets. we have a temporary housing but it is impossible to buy anything else. how can you advise as to how to save our home.? we have little time.
Product: Debt collection

We were notified of an alleged debt that was in collections sent by XXXX in XX/XX/2022. We requested, in writing, a validation-of-debt and, per law, an itemized bill of the alleged XXXX XXXX- we we're never notified of any bills or debts by the hospital to begin with so we wanted to make this wasn't a case of mistaken identity or a fraudulent charge - the dates they listed the bill in didnt make any sense. We never received any response from XXXX. Regardless, the alleged debt of {$2600.00} was still listed as negatively affecting my credit score. We found out we could dispute this with the credit reporting agencies and we decided to dispute this with XXXX. XXXX reached out to the collector and found that this debt was not accurate and fraudulent- it was removed completely from all of my credit reports in XX/XX/2022. 

We were then sent a collections notice the end of XXXX by XXXX XXXX Collections in XXXX, TX and have until XX/XX/2022 tp respond. We, again in writing, requested proof of this debt by asking for the XXXX XXXX XXXX and we also provided printed screenshots of the winning-dispute claim with XXXX to show this same debt was already deemed inaccurate and fraudulent/was already removed from my credit report. We mailed these documents on XX/XX/2022. 

Today i called to see if they had a chance to review the documents sent. I verified that the alleged debt was the same with XXXX for the {$2600.00} but she stated she had not received any documents to review and that we still owed the {$2600.00}. I explained that this debt was already removed from my credit history and was deemed fraudulent/inaccurate by the credit reporting agency . She stated that they still showed the debt and it could still be sent to the reporting agencies - that it could still negatively affect my credit. I'm not sure how that is possible- in the insurance industry, we call the act of attempting to collect on a claim twice " double-dipping '' and its a form of fraud. How can debt-collectors attempt to damage your credit when proof has been provided that its not an erroneous debt?
Product: Debt collection

I have repeatedly requested that the company provide me with a debt validation letter to verify the legitimacy of this debt. This is now the fifth time I have made this request, and I have yet to receive a satisfactory response. I kindly ask the company to promptly send the necessary documentation to validate the debt as required by law. This company is on my credit report XXXX XXXX for the same amount. 

{$640.00} Open balance LOCKHART MORRIS & MO
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Debt collection

My son received a call from a company, XXXX XXXX XXXX ( phone XXXX ) on XX/XX/XXXX - a lady named XXXX XXXX claimed she had been trying to reach me in regards a civil suit in which my bank accounts would be frozen by XX/XX/XXXX if I didn't respond immediately. The case number referenced was XXXX. I called back and was transferred to a XXXX who informed me that it was for an HSBCXXXX XXXX XXXX  debt I owed in XXXX in the amount of {$20000.00}. I informed her I didn't owe any credit card debt or owned an HSBC account in XXXX. I did have a citi bank credit card at that time but it was paid off. The lady had details of my texas drivers license number and an old address- she claimed numerous letters were sent to my old address and they have decided to place a lien on my accounts by XX/XX/XXXX. I told her I was unaware of this debt and besides there was no delinquent information on my credit in which she stated it was no longer reported with the credit bureaus. She then proceeds to act empathetically towards my confusion and says she will request her boss to 'reinstate ' my debt to avoid the lien on my accounts. She asks what I am willing to pay ( because the debt was in my name and I was still liable for it ). I negotiated ( for a debt I didn't owe ). She said I would be receiving a document that I needed to XXXX and then make a one-time payment over the phone. That is when I decided to stop the discussions because I wasn't going to make any payments without receiving proof of debt, and I certainly was not going to give a stranger my card details over the phone. I am reporting this because I do not owe any credit card debt from HSBC but also most concerned that she had my details.
Product: Credit card or prepaid card

XXXX Previously i reported that PNC bank refused to provide me with the information they had on a fraudulent credit card application made in my name with my SSN. I received a phone call from someone named XXXX at XXXX on XX/XX/XXXX informing me that since I hadnt uploaded any documents on your site, they still deny me the information. I did receive information from XXXX bank but since PNC is denying me this information I am now having to pursue this with yet another bank for verification of the information received from XXXX bank. Identity theft is a federal crime. PNC is not cooperating with this federal crime. Please take action. 

I did mail all required documents to PNC, return receipts requested. 
See uploaded documents on this site.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$280.00} XXXX XXXX  - XXXX {$130.00} XXXX XXXX XXXX - XXXX {$2600.00} XXXX XXXX TX - XXXX {$1300.00} XXXX XXXX  - XXXX XXXX  - XXXX {$24000.00} XXXX XXXX - XXXX {$5.00}
Product: Vehicle loan or lease

In early XXXX, I had purchased a XXXX Mercedes Benz E63 at XXXX XXXX ( XXXX ) and financed through Mercedes Benz Financial Services ( MBFS ). I was talked into purchasing an additional 2 year factory warranty for this car by the General Manager XXXX XXXX. However, on XX/XX/XXXX I traded this car into Keyes and leased a new XXXX S550.  The terms of this lease were {$15000.00} at signing and approximately {$1600.00} per month for 36 months. I was told that the price was high because I had average credit. However, I had paid approximately {$7000.00} for the manufacturers extended warranty for the car being traded in and I was assured that I would get that back from Mercedes. After about 6 months and not receiving anything, I called up Mercedes and they told me that XXXX had instructed them to send the warranty refund to them. After confronting Mr. XXXX, I received a call back from him personally telling me that It is not refundable and I will not be getting a check in any amount. After going back and forth with both parties for basically the remainder of the lease to no avail and unwilling to take on the cost of litigation, I advised MBFS that I will be returning the car 4 months early and will off set the amount of the warranty refund which was almost exact. Subsequently, MBFS has been reporting this to my credit reports as a repo/surrender and eventually a charged off amount of approximately {$29000.00}. This has been extremely damaging, defaming and unjust.