23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently requested a {$6000.00} courtesy check from Capital One to use the 0 % 12 month APR to finance a central air conditioner repair. I was aware of the XXXX % fee and was comfortable with the fee. I received the statement listing the " Balance Transfer '' on my statement ; however, only an amount of {$2100.00} was listed in the 0.00 % Special Interest section of my statement. I " overpaid '' the monthly charges by taking the New Balance, which included the fee, and subracting the {$6000.00} and then adding an extra {$500.00} to the payment to start chipping away at the {$6000.00}. I received my latest statement and was shocked when I saw interest charges totalling {$15.00} on my bill and the 0.00 % section on my statement now listed {$6000.00}. I called Capital One directly to understand what happened. I spoke with a respresentative for over 45 minutes while she tried to figure out what happened. She placed me on hold several times so she could speak to her manager to get a better understanding. With each explanation I could state, based on what she told me, I still should not have to pay interest. At first she stated my payment went to the lowest interest rate balance first, which I stated is very unfair and deceptive as payments should be made to the highest interest rate balance first. I eventually asked to speak with her manager after she wanted to speak with him for either a third or fourth time. The supervisor came on ( expected a manager ) and he stated the grace period was waived once I requested the courtesy check and I would have to make a payment of all charges, even after the statement date, to forego interest charges. I would like to point out with this explanation, I would have to access my account online and then overpay that amount to guess what my upcoming charges may be so I do n't have to pay interest on any charges. I find the fact the initial representative could not explain to me what happend on my bill to support my claim of unfair and deceptive marketing and practices by Capital One. The supervisor did tell me I was told these terms when I requested my courtesy check and I informed him I had to ask the representative to slow down and repeat herself on several occassions and then I recapped the terms to make sure I fully understood what I was getting into. I did not recall the waiving of a grace period for charges. The supervisor stated he would review the call and get back to me no sooner than this Wednesday since he would be off the next few days. I called into Capital One on a Saturday afternoon ( XX/XX/XXXX ). I am expecting a call this Wednesday to hopefully put this matter to a close. I was on the phone with Capital One for over an hour and the item is still not closed. Depending on how this issue is resolved, I may end up paying more in interest which in effect turns the 0.00 % APR into 12.90 % APR, plus the XXXX % fee.
Product: Debt collection

Please see attached documents that contains all XXXX account in the PDF. 

I received a 1099-C ( cancellation of debt ) notice for the following account : Amazon.com Store Card Account Number Ending in XXXX JCPenney Credit Card Account Number Ending in XXXX Sam 's Club Personal Credit Account Number Ending in XXXX These accounts were charged off as of XX/XX/XXXX. I reported these accounts under a 1099-C on my XX/XX/XXXXTax Returns as Paid in Full. 

I sent a copy of all documentation to the credit bureaus to update the accountsas paid in full. By me sending the form 1099-C they negatively impacted my credit score 80 points and restarted collection efforts on an attempt to collect a debt on these three old credit card accounts that were charged off in XX/XX/XXXX" NOT XX/XX/XXXX'' The information was sent to have it remove the balance to zero from all credit reports not to restart collection attempts.

Synchrony Bank is reporting to the Credit Burues that I still owe the debt in full!! 

I have attached documentation that SHOWS SYNCHRONY BANK ATTEMPTING TO COLLECT A DEBT that is not owed!! 

I want these accounts to be removed from all 3 credit reports ASAP and to reflect the balance as XXXX balance. 

I will be contacting my States Attorney General to look into this matter and will be filling a lawsuit against you for collecting on debt not owed to you. 

I have reached out to you several times via email and have left several messages via phone. 

Till this day I have yet to receive a phone from YOU. 

I can be reached at XXXX
Product: Mortgage

I lost my job due to covid. I know as a consumer my rights have been violated by Amirihome Mortgage. The foreclosure process they are attempting to take me through is fraudulent and is illegal according 15 U.S.C 1692e. False or misleading representation states a debt collector may not use False, deceptive, or misleading representation or means in connection with the collection of any debt. I created the document ( NOTE ) which makes me the grantor. In doing so I gave XXXXXXXX XXXX XXXX, XXXX the fidicious duty as trustee. The my promissory note was sold to Amerihome Mortgage. 15 U.S.C 1692e number 4 states The representation or implication that non payment of ANY debt will result in the arrest or imprisonment of any person or the SEIZURE, GARNISHMENT, ATTACHMENT, OR SALE OF ANY PERSON unless such action is lawful. Section 5 the threat of any section CAN NOT Legally be taken. 
Section 6. The false representation or implication that the sale or transfer of any interest in a debt shall cause the CONSUMER to ( a ) lose any claim or defense to payment of the debt or ( b ) become subject to any practice prohibited by this subchapher. I do not owe Amerihome anything this ALLEDGED debt was paid in full when I created the NOTE. They are not the originator or the beneficiary and neither is XXXX. I am the Consumer and I will not allow my rights to be violated.
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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 Incorrect XXXX XXXX XXXX - Incorrect
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of collections, charge-offs, inquiries, and closed accounts on my credit report. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, that I am disputing the following items : # # # List of Disputed Accounts : XXXX XXXX / XXXX - Type : Collection - Issue : Reported inaccurately and unverifiable. 

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 

Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to : 1. Investigate disputes within 30 days of receipt.

2. Provide a written response including the outcome of their investigation and any changes made to the credit report.

3. Provide documentation used to verify the accuracy of the disputed information or remove unverifiable information from the report.

Despite my previous attempts to resolve these inaccuracies directly with the credit reporting agencies, they have failed to comply with their obligations under the FCRA. As a result, I am escalating this matter to the CFPB for immediate assistance and enforcement action. Furthermore, I demand that the disputed accounts be removed from my credit report within 4 days of receipt of this letter to prevent further harm to my credit profile. 

Please find enclosed copies of my credit report with the disputed items highlighted, as well as any supporting documentation. If further information is needed, I can be reached at XXXX Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure compliance with federal law and resolve these disputes promptly. 

Sincerely, XXXX XXXX
Product: Student loan

After many calls and letters I still am yet to find out the variables used in determining the interest rate Sallie Mae offered. Under truth in lending, there must be some obligation, after receiving all my personal information and processing a loan request, that they provide me with the details as to how the interest rate offered was determined. 

With a cosigner XXXX score of XXXXSallie Mae offered XXXX a loan at anywhere from 8.37 % to 10.875 %!! There is nobody at Sallie Mae who can explain how this interest rate that was offered is calculated, just that it 's non negotioable. Then they are guilty of false advertising since they advertise the following rates : Variable interest rates from 2.50 % APR to 9.59 % APR3 Fixed interest rates from 5.74 % APR to 11.85 % APRXXXX If they are offering XXXX a rate only slightly lower than their highest rates available, with a cosigner with an excellent rating that is agreeing if XXXX defaults to be responsible for the loan, than there is something that does n't add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I disputed this account with Equifax on XX/XX/XXXX because it is reporting an inaccurate last payment.I received the result of the dispute on XX/XX/XXXX and it came back the same, last payment XX/XX/XXXX. I called Equifax, the rep stated that the account is inaccurate but we can't remove it. I stated that i have the right to an accurate report under 15 U.S.C 1681i, the rep stated that they still can't remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Product: Student loan

I was in a XXXX XXXXXXXX bankruptcy which just concluded. During the last 7 years I made payments totaling about {$80000.00} to Navient. The checks were all cashed but never applied to my account. I have made 3 separate requests to Navient to resolve this matter including providing written proof of payments to them showing their checks were cashed by them. My first request was not responded to. When I called I was told they could not read my documents I submitted. My second request was then escalated by a call center agent. Response received was a letter showing me the payments that were applied which did not include the payments I made. I already understand what Navient has applied to my account I need someone to take this seriously and actually do some research as to where the money had been applied. My 3rd request was resubmitting the documents showing my payments. No response.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX 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 XXXXXX/XX/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, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting as late or having late payments on my credit report, 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 office of the Attorney General. Acct XXXX XXXXXXXXXXXX. This is a clear violation of 15 U.S.C 1681 b2, permissible purpose of consumer report.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone written instructions as to how or if I want this furnished on my credit report. Furthermore, the fair credit reporting act 15 U.S.C. 1681, 2a1 under the exclusion section, the term credit report does not include on a report information solely about transactions or experiences between the consumer and the one extending the line of credit. Therefore a late payment does not exist. A late payment is a transaction or an experience, and the law clearly states that it share night be on a consumer report. I have brought this issue up several times to experian, and they only pass on my dispute to the one that is furnishing the false information and not doing a investigation themselves to see if the late payment is lawful under the fair credit reporting act. They have just been sued about this type of behavior I feel that I am a victim of the system, and I need something done about this
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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

I have a loan with the account below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

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

My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX All onemain Make no sense.. I am really careful about no make any extra damage applications
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below.
Product: Debt collection

Collection company LVNV states this account was opened XX/XX/XXXX, it was in fact opened before XXXX, as I was making payments on this I show a payment as early as XX/XX/XXXX which means it was opened XXXX of XXXX. This account was also charged off XX/XX/XXXX I received no 1099 to file my taxes and the amount was over {$500.00} so it was eligible for a XXXX. And it does not show charged off on my credit reports. They wrote this charge off with their taxes and took the credit on my account. This credit was bought out by LVNV XX/XX/XXXX without my authorization. XX/XX/XXXX was not the date this account was opened by XXXX XXXX XXXX it was opened in XXXX or XXXX, even if it was XX/XX/XXXX its been 7 years and should be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Product: Debt collection

I received a letter stating that I owe debt from XXXX  which I have idea where its from. I did authorize that transaction or use my social security # for that XXXX XXXX phone and possibly debt that Im suppose to owing.
Product: Credit reporting or other personal consumer reports

Inaccurate and Incomplete Credit Reporting Request for Removal of Specific Accounts I am filing this complaint due to ongoing inaccuracies and inconsistencies in my credit reports across the three major credit reporting agencies ( XXXX, Experian, and XXXX ). I have submitted multiple disputes regarding these issues, and although the agencies claim to have conducted investigations, they have not made any corrections. 

My reports contain discrepancies, with different accounts appearing on each one, and many errors still present despite my efforts to have them corrected. I even took legal action to obtain a court order and the title for my vehicle, which is fully paid off, yet the loan still shows up as unpaid on my credit report. 

Due to the failure of the credit reporting agencies to conduct a proper investigation, I demand the immediate removal of the following inaccurate accounts from my reports : 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  The agencies ' failure to correct these errors and discrepancies has had a significant negative impact on my financial well-being. I request immediate action from the CFPB to hold the credit reporting agencies accountable and ensure that these inaccuracies are removed. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I was looking to purchase a brand new XXXX XXXX. I was planning on paying cash, but the week before, my vet told me some bad news and my dog needs XXXX of thousands of XXXX. I decided to see what rates were available to me with my credit score, I tried my credit union and heard back from them that afternoon. I also applied at Kia corporate finance, through their website. Upon submitting my information, I printed the " success '' page. This page clearly states " Your application is being reviewed and we will notify you at the email address you provided when your decision is available. '' This was all 4 days ago. I have not heard any information from Kia corporate, but I did get a TON of text messages and phone calls the following morning from my local dealership. I asked them why they were contacting me, and they said its because I filled out a finance app. I did not want my personal information going to some random dealer, so I was very confused as to how they got the app results and I have not received them. The girl I talked to at the dealership said I can go in and " sit down and discuss the app '' with the finance manager. I asked that she just send the documents and that they were not supposed to have them to begin with. She said no, they can't send them, and I MUST go in and talk to the finance manager. 

I called Kia Finance, which seems to be a different company than Kia. I first attempted, at their request to resolve my issue through their website, however, the URL on the recording goes to a dead site. After waiting on hold for extended periods several times, I spoke to someone. I explained what was going on, and she suggested I go talk to the finance manager. I was more than adamant that these documents need to be provided to me, whether it's electronic or snail mail. She hung up on me.. 

To this day, I do not know the results of my app, nor do I understand what has happened with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB On XX/XX/XXXX I asked XXXX XXXX XXXX to provide proof of my responsibility of an account listed on my credit report. [ XXXX ] I then ( XX/XX/XXXX ) received a message from XXXX XXXX XXXX that they were a collection agency whom I have never done business with. [ XXXX ] The account is listed on my credit report as OPEN which is not only inaccurate but they have listed themselves as 2 separate entities on my credit report ( s ) appearing twice. Once as an OPEN account on Transunion and once again on XXXX with inconsistent Payment Statuses. [ SEE ATTACHED ] On XX/XX/XXXX I informed each of the credit reporting agencies ( XXXX, XXXX XXXX Transunion ) that they each are allowing an inaccurate listing on my credit report that is currently causing me ( and my family ) financial strife. They were all made aware that XXXX XXXX XXXX was reporting inaccurately each month and that they were verifying incorrectly. [ XXXX XXXX XXXX ] I was under the impression that everything listed on my credit report should be accurate, verifiable and timely. 
- XXXX XXXX XXXX ( or XXXX ) has no OPEN account with me yet they've listed themselves as OPEN on XXXX and XXXX - XXXX XXXX XXXX ( or XXXX ) has a DATE OPENED date as XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX yet which theyve been informed of. 
- XXXX XXXX XXXX ( or XXXX ) is inconsistently reporting varying data points on several of my credit reports. 

As a remedy XXXX XXXX XXXX should be disallowed from listed ANY account information on my credit report as they are inconsistent in their reporting across several credit reporting agencies. 

Please remove XXXX XXXX XXXX from ALL of my credit reports.