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

I applied for Capital One quicksilver credit card 1 month ago ( through the link my friends share with me. On that website, it said very clearly -- - New Cardmember Offer : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 

However, I have spent like $ XXXX in the first month and still didn't get this {$200.00} bonus. I have reached out to the credit card team of Capital One. They just respond with " Oh, it looks like your credit card doesn't show sign-on bonus sorry. Our back-end expert said you are not qualified with this bonus. '' I'm curious about why it states on the application website very clearly but how they have the right to refuse to pay this welcome offer. I want a reason why I can not get the bonus ( I have a very good credit history ) but they can not provide any reason/excuse for that.
Product: Credit card or prepaid card

We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, the company even showing they refunded my account. I did not receive refund, I did not recieve any services that I had paid for. After THREE failed attempts to dispute with my bank i am frustrated. Santanderrefuses to file my dispute properly This is a completely accurate dispute and is very cut and dry and they have offered no assistance
Product: Mortgage

On XX/XX/2020 I applied for a mortgage through Keller mortgage located at XXXX, OH. 
As with applying for any loan, I submitted all legal and confidential information. I immediately made plans and flew to Florida to locate the home that is right for me. I found a home and my realtor made an offer on same with the said pre-approval. I have a copy of my pre-approval from Keller Mortgage. The sellers approved my offer and I Immediately applied for the mortgage to purchase said home. I was then advised on XX/XX/XXXX by XXXX XXXX of Keller mortgage that I have been denied the mortgage. I was confused as I had received a pre-approval previously through the same company! 
Upon trying to understand why and how this could happen I was not provided with any reason. No professional reasoning for same. I was very confused and disheartened as I had provided this company all my private information, had paid to fly to Florida with this pre-approval in hand and wasted much time to be denied without reason. Mr. XXXX has been of no assistance at all to say the least. He has been unprofessional and not supplying ample reasoning for the denial. I met every criteria for this approval and now have to start all over after all this time to apply for another mortgage. I am confidant it is through no fault of my own for this denial. The house I was purchasing was less then what I applied for with the pre-approved mortgage, I meet the income criteria for same as well as hold an excellent credit score. XXXX XXXX has ruined my buying experience for my very first home in Florida. I did some research after this traumatizing order and I can see Keller Mortgage has many negative reviews that have suffered through same. As a XXXX XXXX for over 20 years, none of this made any sense to me or other mortgage instistutions I have consulted. While this has been a trying time for me with the unnecessary waste of time and money as well as lack of professionalism on Keller Mortgage and XXXX XXXX, I am extremely concerned and uncomfortable since this unprofessional company and unethical mortgage banker has all my confidential information.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my consumer report, I noticed charged off and collection accounts. These accounts have been deleted from XXXX which report to XXXX, XXXX, Equifax. The information being reported is inaccurate and is a result of fraud. I did not give any written consent to XXXX, XXXX, XXXX  and XXXX XXXX to open any accounts in my name. This is a violation of my privacy and I demand these accounts to removed.
Product: Payday loan, title loan, or personal loan

This submission is a continuation of the prior issue sumbitted In XXXX 2023 From XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX Once again One Main Financial feels they can do whatever they decide. I have been notified that my loan had been recalculated. One Main Financial took from XXXX to XXXX to make the necessary changes. Here are two issues : OMF knew their process of scamming customers by overcharging on interest for cancelled add-ons was illegal. They continued this illegal practice even after the CFPB won an enforcement action to the tune of XXXX XXXX dollars. Last week, the Consumer Financial Protection Bureau ( CFPB ) ordered installment lender One Main Financial to pay {$20.00} XXXX in penalties and redress due to a failure to refund interest that was charged to XXXX customers who canceled their purchases within the designated full refund period, When I notified OMF that I had cancelled the add-ons, they know immediately how to remedy this problem. Instead, they dragged their feet and now have the audacity to say I am 3 months late and owe late fee. How the XXXX does that work? I had no idea what my TRUE monthly payment would be. The second issue is that OMF has refused to show me the new loan calculations. I have made 5 requests to show me these new loan calculations. I think they are hiding the fact that once again they are attempting to rip me off. How is it that I am expected to pay a monthly payment, I have no idea how any figure was decided upon. Also, the XXXX and XXXX payment they are demanding seem to include the interest for the original amount of the loan. 
I am request that CFPB file a new enforcement action against One Main Financial
Product: Debt collection

I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX  ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near XXXX and I must keep it there, I always pay my bills, but I do not owe this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will XXXX I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.
Product: Payday loan, title loan, or personal loan

I needed some emergency money to pay off bills and I was sent a email regarding a loan offer and I reply and weve been communicating through email, phone, and text and It got suspicious when they said they would send me the money and I would need to send it back and I researched and found out they a scam and I havent returned the money and changed my mobile password, and blocked them what should I do? I dont want to be a victim and I didnt know till after I got approved call me if need be XXXX or email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized fraudulent inquiries that needs to be removed. Sent dispute to company. Company received and never responded after 90 days, Accounts listed as fraudulent inquiries : Equifax Mortgage Ser XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Checking or savings account

I tried contacting my bank about a pending transaction in the amount of {$480.00}. I was told that if I got an email with the amount last four digits of the card used and my name that they would be able to release the fund. I did all that and the supervisor told me that there was nothing he could do. Also this bank double charged me for an order and refused to refund me. I would like them shut down plz. My number is XXXX
Product: Checking or savings account

I tried opening a bank account at XXXX XXXX, XXXX, and XXXXXXXX XXXX. I was denied every time and never given a reason why. I had previously gotten a copy of XXXX XXXX report that had no information reported. I'm trying to figure out what the problem is so it can be fixed. I'm tired of being treated as less than equal and not being given opportunities I deserve. I have to pay outrageous check cashing fees plus additional fees to load prepaid cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ENHANCED RECOVERY COLLECTION company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You ENHANCED RECOVERY COLLECTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Checking or savings account

Starting on XX/XX/18 over {$18000.00} has been stolen out of a TD checking account. This happened several months ago and we opened another account. We had over {$400000.00} in this account recently but moved most to XXXX XXXX. Thank XXXX. 
My husband went to a local branch in XXXX yesterday and they told him they froze the account and more money was stolen. 

They didn't even notify us in any way. 
When this happens with XXXX we get an immediate text. 
We are going away for a few weeks and want this money back asap. 

XXXX XXXX
Product: Vehicle loan or lease

I have a loan with GARMAN FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and GARMAN FIN with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX  XXXX. These need removed. I disputed them and then XXXX and Experian said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself
Product: Credit card

So I applied for the prosper credit card in the beginning of the year and got approved I had the card in my bag that I lost in a XXXX XXXX I called all my cards got them locked and spoke to prosper and they told me they will issue me a new card but then a couple days later found out it was used so by law if I called before it was used I shouldnt be held responsible I told them that I have emails of them stating I am still responsible for the charges even tho it was considered fraud to me that was unbelievable that they dont follow the Federal law that says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Its important to act fast. Then they still proceeded to permanently close my account without notifying me which will damage my credit when Im in the process of fixing it and buying a new house they threaten that it will show up on my credit report if I dont make payments
Product: Mortgage

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have attempted to get itemized and detailed explanations of unexplained charges from Nationstar/ Mr Cooper . I have sent correspondence directly to Nationstar/ Mr Cooper , sent a QWR, and filed a previous complaint with CFPB. This is my second complaint. Nationstar/ XXXX XXXX has responded by sending me loan agreements. The paperwork is not an answer to my request for itemized explanations to the charges. There is no itemized calculation included in the loan agreements. I am now going to specifically request an itemized detailed calculation explaining the XX/XX/XXXX charge for {$6900.00}. This charge is listed as NO DESC AVAILABLE on the account transactions listing sent to me by Nationstar/ Mr Cooper in response to my previous CFPB complaint. I do not understand this charge. I was not explained this charge by being sent copies of loan agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : 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 XXXX
Product: Credit card or prepaid card

Synchrony Bank is the issuer of my Sam 's Club credit card and they will not settle a dispute with a merchant. The merchant set-up two appointments for massage but failed to appear at either appointment. I requested a refund of {$150.00} for 3 pre-paid massages, and she has stated in emails that she will, and did refund my {$150.00} ; however, the credit has yet to appear on my account on the computer website for Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : This complaint is due to the unauthorized inquires on my Equifax report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX/XXXX XX/XX/19, XXXX XX/XX/19. It would be greatly appreciated if these inquiries be removed from my Equifax report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Equifax be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.
Product: Debt collection

Pro Collect never sent me a lease that has me signed off for this lease. The lease that would of ended in this itemized bill has the other persons name on it making payments. This is not proof of this debt being mine, and this debt is not mine.
Product: Credit card

I am a XXXX XXXX XXXX member who was required to get a XXXX XXXX XXXX for official travel. Citi handles the XXXX program and they are fleecing the US government and scamming US service members with absurd fees and interest. Back in XXXX I was instructed to apply for this card, so I did. I was unaware of a {$29.00} activation fee. I received no correspondence about this fee until a letter received in XXXX that said I owed that along with an additional late fee, for a total of {$58.00}. I tried to pay the {$29.00} fee on their automated line, but it didn't work. So I tried calling customer service multiple times. Every time I called I'd be on hold for upwards of an hour. When I finally got through to a person, they were rude and condescending. I finally asked to speak to a manager. After another 30 minutes of hold time I was asked to provide a phone number so someone could call me back. Several hours later, a manager called back and was just as rude and condescending. She provided no further help or information. Citi is running a racket. They have abysmal customer service because they don't need to provide good service since we are forced to use their trash products due to the government contract. If I'm having this much trouble with these charlatans, I am certain many other people are struggling with similar issues. I've spoken with several other individuals who have similar stories of phantom fees and horrendous customer service experiences. Additionally, their fraud detection is terrible and many people have been left on the hook for fraudulent transactions. Citi is the absolutely worst company I've ever had the displeasure of dealing with, and I would never voluntarily use any of their products. My recommendation is to stay as far away from these criminals as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance Owed : XXXX
Product: Student loan

Good Morning- I submitted a request to FedLoan Servicing  on XX/XX/XXXX to qualifying my employer, The Department of Interior Bureau of Land Management , for Public Service Loan Forgiveness . They denied my employer, even though they are a qualifying employer because my loan was consolidated after the time I worked there and my payments during that time do not count toward loan forgiveness. Regardless of whether or not my payments qualified, I would like my employer verified. I have attached the letter of denial from FedLoan Servicing and an email chain showing how I tried to resolve the situation with FedLoan Servicing. 

Again regardless of whether or not my payments were qualifying, my employer should be verified. FedLoan Servicing did agreed that my employer qualifies as a government organization. I was employed from XX/XX/XXXX through XX/XX/XXXX. 

Additionally, the payments I made during this time period, XX/XX/XXXX through XX/XX/XXXX, do qualify for the PSLF program. I was paying through a 10-year Standard loan program. Everything I have reviewed for PSLF states that these payments should qualify for the PSLF program. 

Please help me resolve these issues with FedLoan Servicing. 

1 ) I worked for a qualifying employer from XX/XX/XXXX through XX/XX/XXXX, the Department of Interior Bureau of Land Management. 

2 ) I made qualifying payments from XX/XX/XXXX through XX/XX/XXXX, in a 10-year Standard loan program. 

Sincerely, XXXX XXXX XXXX.