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

The Capital One website is extremely suspect, and misleading, making it virtually impossible to find any information about how XXXX if at all XXXX Capital One is helping customers who can't pay their credit card bills at this time due to COVID-19-related issues. This is particularly alarming and frustrating in a time of a global/nation-wide health crisis. 

Their website is a mess of links that keep you going in circles, purposely, it seems. In order to even find their COVID-19 " section '', you need to navigate endlessly through their site, and you'll find it buried in their " About '' section, not in the main page as a link, the way other financial institutions have done it. They have links to the CARES Act, and links to the IRS, but barely anything about how THEY, Capital One the private entity, are helping customers.
Product: Credit card

I been using the same account to make payments on time since I open Big lots account couple years ago. Since they went out of business they have been having issues processing the payments on my same account and adding fees to the account not letting close out. This company is represented by XXXX XXXX  which I have another account where I use the same account to make payments. I spoke with Supervisor from the credit card XXXX  and said there is something wrong with the website to make payments. I need help to resolve this issue because I been having issues with this company to make on time payments. They have a faulty system to process the payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Inaccuracy Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving an ongoing issue regarding inaccuracies on my credit report. Despite my efforts to resolve this matter directly with the credit reporting agency and the data furnisher, the inaccuracies remain uncorrected, which has caused significant harm to my credit profile.

The details of my complaint are as follows : Credit Reporting Agency Involved : Transunions and XXXX Account

( s ) or Information in Dispute : Date open, Date last reported, Date last active, Date of last payment. I initially contacted Transunions and XXXX to dispute the inaccuracies and provided supporting documentation, including the inaccuracies of their report and ask them fix the errors. Despite my efforts, I received from them that everything is accurate and verified.

I am enclosing the following documents to support my claim : 1. A copy of the credit report showing the inaccuracies This unresolved inaccuracies has cause me a lot of stress and mental straining on my well being. I believe the actions of the credit reporting agency are in violation of the Fair Credit Reporting Act ( FCRA ), which requires them to investigate and correct inaccuracies promptly.

I respectfully request that the CFPB investigate this matter and ensure that the inaccuracies on my credit report are corrected. Your assistance in protecting my consumer rights is greatly appreciated.

Please feel free to contact me XXXX if additional information is required.

Thank you for your time and attention to this matter.

Sincerely, XXXX XXXX
Product: Mortgage

Complaint To : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MI XXXX, XXXX, 1st complaint number XXXX, Our deceased Dad 's reverse mortgage account should not be in foreclosure. The company requires that you send a 90-day extension request 6 months after the death of a family member. My father passed away on XX/XX/XXXX, and I emailed XXXX with the 90-day extension letter on XX/XX/XXXX. Also, I emailed it a second time on Friday XX/XX/XXXX. I called after and they said even though I sent it before the 6-month deadline they didn't read the email until Monday XX/XX/XXXX, therefore my dad 's home is now in foreclosure. That means normally his monthly statement has an interest fee of {$310.00} and monthly mortgage insurance premium of {$84.00} totaling {$390.00}. Now that the status says foreclosure, the new monthly fee is {$330.00} Interest, {$84.00} insurance, {$1500.00} attorney fees/costs, and title costs {$510.00} totaling {$2500.00}. They will continue to collect additional fees until we sell our father 's home. This is the second complaint I've put in with CFPB the first one XXXX Reverse Mortgage company sent a generic response saying, " they are not the appropriate company to address your issue '' Which is not true they are the company. I have spoken with XXXX in the " escalation department '' who sent my information to XXXX XXXX a manager in Texas and asked him to contact me. As of today, XX/XX/XXXX, I have not heard anything from XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/2021 XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2021
Product: Debt collection

There is a new fraudulent collection account or {$150.00} showing on my Equifax credit report. I am a victim of identity theft and I am unsure how these new accounts are showing on my file. The company is XXXX XXXX XXXX. I have never done business with this company before and I have no knowledge of the debt or any account with them. This false information appearing on my credit report all of a sudden is really damaging to me. I know my consumer rights are being violated. Please remove this account asap.
Product: Credit reporting

Equifax is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only one account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just one and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Equifax continues to report it twice and with a balance.
Product: Credit card

Reference my XX/XX/XXXX statement for XXXX XXXX XXXX ( Barclays Bank ) ; I was charged with a Balance Transfer ( XXXX XX/XX/XXXX ) by XXXX XXXX XXXX for {$5000.00} and a Balance Transfer Fee of {$250.00}. On XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I called XXXX to dispute the charges as FRAUDULENT. Finally, the Fraudulent Security Team ( XXXX ) to me that they would have the account corrected and issue me a new card. I did receive a new card in the mail and a new statement with $ XXXX balance. On XXXX XX/XX/XXXX, I received a letter from Barclays stating that my account was closed due to suspicious activity and that I would not held responsible for any activity confirmed fraudulent. With my new card, I received a statement balance of {$4900.00} dated XXXX XX/XX/XXXX and a Balance Transfer fee of {$190.00} for new charge on XXXX XXXX XXXX. I forwarded a dispute letter by Certified Mail on XXXX XX/XX/XXXX.
Product: Consumer Loan

I visited a local loan provider to apply for a secured loan using the title to my vehicle. I was approved but wanted to think on it for a bit. After a week, I went back to them & told them I was ready to get the loan. The employee said yes sir, we 've had you paper work ready & approved sitting there for the last week. While I was in the process of finishing up the paperwork, I was asked to get a copy of my recent check stub & bring proof of insurance. Went to my home & called them back to make sure I was bringing back the correct information that was needed & while on the phone, a different worker that I had not been dealing with got on the phone & told me that she had remembered a loan my father had with them at XXXX time where payments were n't made on time & because of that, they would n't be able to give me the loan. She said that on the loan my father had that I had said I would make the payments in which some payments I did make for my father then he finished making payments to eventually finish the loan out but in no way was I tied legally, my name nor my credit was associated with this loan of my fathers in any sort of way. How can a loan decision for me be based off of another loan a family member had when I had no legal obligation or ties with that loan?
Product: Debt collection

Midland Credit had called in past, were told I owed them nothing and had no debt. And they didnt have the correct pho e number. It continued for a while then stopped. They have since began to call once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax says they have investigated and found whats on my credit report is accurate. however my name is wrong my employer is wrong and inquires are fraudulent i asked several time for the to send me proof that i gave these companies permission to pull my credit because i didnt
Product: Vehicle loan or lease

1. Purchasing my XXXX XXXX XXXX Truck at the end of a 3 year lease. 
2. Negotiating a purchase agreement.

3. The lease agreement was on XXXX for $ XXXX/month for 38 months and endsXX/XX/2019. At the lease signing the salesman told me if I wanted to purchase the truck when the lease ended the monthly payment would be about the same, more or less. Monday XX/XX/XXXX my wife and I went to XXXX XXXX XXXX XXXX dealership in XXXX, UT. to find out what kind of purchase deal we could work out. We talked to Salesman XXXX, and Sales Manager XXXX ' who presented us with $ XXXX {$510.00} per month for 84 months. We told them we were on a budget and we couldn't swing that kind of deal, and they said can you put any money down? We said no because we were on a budget so it would have to be XXXX down. They said sorry, that's all we can do for you, I asked what about the {$10000.00} we put down at the lease signing, where did that go? They said it went to the residual cost of the truck, so we would be out that money if we didn't buy the truck. We decided to think about it for a few days and I returned with my son on Wednesday XX/XX/XXXX at XXXX to talk to the General Manager XXXX along with the Sales Manager XXXX ' to see if we could try and make a deal but the answer was the same as before. XXXX was very arrogant and aloof in his manor and asked my son if he new anything about math and my son said yes I know it very well, I work at a Financial Institution and super- vise many agents, then XXXX stood up and said I guess we are not going to get anywhere here, like we were wasting his time, so we left. I must say XXXX was a very rude representative of XXXX XXXX XXXX XXXX in XXXX, UT. 
4. The company is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT. XXXX Phone is XXXX 5. Salesman XXXX, Sales Manager XXXX ', General Manager XXXX
Product: Debt collection

Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX XXXX Account Number : XXXX Please remove it from my credit report. I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section XXXX of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Checking or savings account

I had opened a Citi Bank checking account on XX/XX/XXXX as part of promotional email received to get XXXX dollar bonus. As per the offer terms i had to deposit XXXX dollars within 20 days and maintain that balance for 60 days from deposit date to meet the eligibility in order to get XXXX bonus. 
1 ) After i funded my account on XX/XX/XXXX with XXXX dollars, i confirmed with the Citi live chat rep on XX/XX/XXXX to find out till which date i have to maintain the balance to meet the eligibility requirements and they confirmed me XX/XX/XXXX ( 60 days from the deposit date, which is same as per my promotion email ) 2 ) I perfectly maintained the balance till XX/XX/XXXX, but, before withdrawing the amount back from my account, again on XX/XX/XXXX also I had a chat with Citi agents and double confirmed if i met the eligibility already to get the bonus, they confirmed i had already met the requirements and no need to maintain the balance anymore, after that only i had withdrawn the amount on XX/XX/XXXX. 
3 ) Also, till date I confirmed with multiple reps via phone calls and online chats, they confirmed me that i met the promotion requirements and asked me to wait till XX/XX/XXXX to get the bonus credit, but credit has not posted on my account, so far 4 dispute cases have been raised but still i have not received the bonus. Whenever i talk to or chat with Citi agents, they are keep on telling i met the eligibility requirements of the promotion and opening multiple dispute cases and it has been totally frustrating with no progress on getting my bonus.

4 ) On one of the dispute cases, they mentioned i did not meet the eligibility for the promotion as i did not maintain the balance which is not at all fair, because i always confirmed the eligibility with their agents before i had withdrawn the amount from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.
Product: Credit card or prepaid card

I unexpectedly received an EIP card with an indeterminate amount of CARES Act funds on it, but the terms of use include predatory fees and a mandatory arbitration agreement. The issuer ( Money Network Card Services/Money Network Financial LLC/Metabank N.A. ) lists a phone number through which a paper check can be requested, but the automated system routes the call straight to card activation, which entails de facto acceptance of the arbitration agreement, and provides no other options. This is a shameless attempt to trick consumers into incurring debts to third-party servicers under the guise of receiving federal aid, and using inadequate customer service to spike justified complaints.
Product: Checking or savings account

On Sunday XX/XX/2022 I contacted M & T bank formerly Peoples ' United Bank since they did not move any bank statements from People 's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last years worth of statements. I received a message that the statements were ready but that was only for the month of XXXX. So now I have XXXX and XXXX of XXXX. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. So after all the waiting I speak with the specialisXXXX and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed it in the next day or so. She explains that it is my fault that M & T sent a message to the future customers that it was their responsibility to grab their statements from Peoples United and she could not help me. I explained that this was not reasonable and that just because- And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M & T but I need my statements that should have come over from my previous bank and sooner than 10 days. This should have already been done when switching over the systems as was done when People 's United took over United bank a few years ago when we had to go through this process then.
Product: Student loan

Aidvantage is my current servicer for my Student loans. However, I did not give them " Aidvantage " specific written permission to Furnish my information to any of the Consumer Crediting Agencies and they have allowed all three agencies access without my permission 15 USC 1681 ( b ) and my right to keep my personal and private information from such unlaw acts 20 USC 1232 ( g ) and 34 CFR part 99. I have been denied time and time again over a number of years the benefits of putting myself into a better financial position. There are 15 to 16 accounts but all are linked
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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: Credit reporting, credit repair services, or other personal consumer reports

account number # XXXX XXXX  attached is what XXXX and equifax is reporting ... if they both get their source from XXXX  then why are they inaccuracies on the report .... 
DATE LAST ACTIVE XXXX XX/XX/XXXX WHILE EQUIFAX XXXX BALANCE XXXX {$7400.00}, WHILE EQUIFAX XXXX 
LAST PAYMENT XXXX XX/XX/XXXX, WHILE EQUIFAX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!
Product: Debt collection

Afni Subrogation Department contacted me threw mail, letter dated XX/XX/XXXX recieved by me on or about XX/XX/XXXX for damages claimed to be owed by me in the amount of {$13000.00} pending an increase of additional payments, from a motor vehicle accident dated XX/XX/XXXX that is currently in litgation.
Product: Debt collection

Accounts were opened with XXXX, XXXX and XXXX & XXXX using my personal data. I have reported fraudulent activities to all three carriers as well as reports about my services being unusable do to hacked websites from all three carriers. XXXX has denied me services and device credit opportunities and their customer support number as well XXXX XXXX  support number always sent me to the same person i believe my number was relayed to fraudsters or imposters. On several occasions i reported the problems with their service and internet and nothing was ever resolved. XXXX has charged me for services that i was unable to use because of a device that was returned and their failure to exchange it for another one, even though i retuned the device within the XXXX day time period. I was denied device payment options upon the return of the other device. These companies have been buying and selling my personal data for years without my authorization and i have not been compensated for the harm that was caused from their unauthorized use of my sensitive data.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.