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

For the third time, I received an offer from Capital One for a Quicksilver credit card. The offers each came with a reservation # and an access code. With each offer, an enclosure outlining Capital One 's application terms was included. The application terms specified a 0 % introductory APR for the first 15 months, then the APR adjusts to 14.99 % based on creditworthiness ( based on the Prime Rate ). When commencing the application process online, I noticed after entering the reservation # and access code, the interest rate after the 15 month introductory period was listed as 15.24 %, not the advertised 14.99 %. Also other fees and rates were higher than those listed in the enclosure. When noticing the higher rates online, I immediately stopped the application process, closed my browser, and placed a phone call to Capital One. After being transferred to an account supervisor, she advised me the enclosure containing Capital One 's application terms was " probably a misprint '' as she couldn't get me the advertised rates and fees. I told her that it was highly unlikely that three separate mailings would contain offers that were misprints. This phone call took place yesterday, XX/XX/2022. While the expiration date for this offer is XX/XX/2022, the reservation # and access code is available upon request. Lastly, my credit score as of XX/XX/2022 is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUAFAX HAS INACCURATELY AND MISSING DATA FOR MY PAYMENT HISTORY ON MY ACCOUNT NUMBER XXXX UNIVERSITY OF WISCONSIN XXXX XXXX XXXXXXXX XXXX, UNDER THE FAIR CREDIT REPORTING ACT 15 U.S.CODE 1681 STATES : ANY CONSUMER HAS THE RIGHT TO UPDATE THERE CREDIT PROFILE WITH VALID AND ACCURATE INFORMATION.. I WOULD LIKE EQUAFAX TO UPDATE THIS ACCOUNT INFORMATION WHICH THEY HAVE ROOM AND A SPOT TO UPDATE IT. FOR EACH OF THESE MONTHS ... as PAID AS AGREED AND CURRENT ACCOUNT XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I HAVE MADE ON TIME PAID IN FULL PAYMENTS ON EACH OF THESE MONTHS INDICATED.
Product: Credit reporting or other personal consumer reports

I asked XXXX to report

1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. Serious Harm : means harm, whether physical or non-physical, economic, or
reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :
Product: Credit card

Good Morning, I faxed 3 letters to LVNV FUNDING , LLC XXXX, SC XXXX regarding a XXXX Account Number XXXX ... .. It is not my Card ... ..I have asked them to remove it from my credit report.
Product: Mortgage

ditech said i owe back payments talk to a lady and made a deal to catch up on payments so i been making extra payments.but i keep getting letters from them that i haven't made any payments an i get conflicting letters telling me different amounts i still owe them.the lady is rued on the phone they do not know want they are doing it seams to me they just want my house and keep telling me there are going to foreclose on me.i don't know what to do anymore i am stressed out about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Student loan

I enrolled in the Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. Once I enrolled in the program my student loans were transferred over to XXXX XXXX. Once I verified my employment they updated my remaining payments. In XXXX I also got verification for the employer before my current job and was told payments from that could be used as well. Once that was submitted the payments on my statements to XXXX became confusing. It Went from 34 Qualified payments ( XX/XX/XXXX ), to 20 ( XX/XX/XXXX ), to currently 17. At last call to them ( XX/XX/XXXX ) I was told a review was submitted in XX/XX/XXXX ). I have not been able to get an accurate understanding of where I am in the process of completing the PSLF program which is making it difficult for me to plan financially long term. I have made many decisions to remain at a non-profit given the opportunity to participate in the PSLF. There are several other practices that I have experienced that make me feel like they are not trying to help the customers in getting forgiveness. 
1 ) I have automatically been put in forbearance 2 times without my consent, the account accrued interest. When I followed up with this, I was told it was due to natural disasters that I was not a part of ( wildfires in XXXX California and Hurricanes on the East Coast ). I requested that the payment I sent be applied, but this resulted in an over payment ( which later I find out does not account for a qualified payment. 
2 ) Every time I call there is no information on my account being updated. I am told that the reviews of information take a long time, but I have been going through this over two years. I need to be able to plan long term financially for my family and I.

I am very concerned especially since I am hearing horror stories of people who think they have completed the program but only later to find out their payments did not qualify. I find it hard to believe that a financial institution can not tell the status of its customers financially.
Product: Checking or savings account

A trnsaction posted to my account 3 times. I notified Optum Financial about the issue in XX/XX/XXXX. The account representative did nothing. I called back later that month to be told that I needed to fill out an affidavit. I did so and returned it the same day as received ( I believe XX/XX/XXXX or XXXX XXXX ). In XX/XX/XXXX, i received notification that my account would receive a temporary credit while Optum reviewed the claim and reached out to the offending company ( XXXX XXXX XXXX- now bankrupt ). The credit failed to appear. Between XX/XX/XXXX and XX/XX/XXXX, I called Optum no less than 5 times regarding the missing credit to my account. No response. Finally, in early XX/XX/XXXX, I reached an employee in fraud who fixed the issue and the credits final appeared. I was also told that the credits would become permanent by the end of XX/XX/XXXX as XXXX XXXX XXXX had failed to respond to the multiple charges. 

In XX/XX/XXXX, Optum reversed the credits stating that the credits already appearing in my account. This is false and I am not back to the original position of being charged 3 times for the original transaction. 

The original transaction total was {$990.00}. On my account, there are three charges for the same amount. I only authorized one charge. When submitting my affidavit to Optum, I provided receipts of the charge I authorized. 

For Optum- the three charges ( of which only one is authorized ) posted on XX/XX/XXXX, each in the amount of {$990.00}. I am owed {$1900.00} in refunds for the repeated charges. 

I would also like to note that when calling Optum, I have been told that 'cases ' have been opened to review this matter. I have yet to receive any correspondence from Optum about the outcomes of these 'cases '. Moreover, I also do not receive any notification that Optum is raking the credits out of my account. There is no notification or communication whatsoever. As a consumer, this is concerning as Optum does not communicate what it is doing with a consumer 's account. I have opted into all communications, but do not receive any. The case number is XXXX.
Product: Checking or savings account

E*Trade Bank Issue - Complaint - I have both banking and brokerage accounts with E*Trade Bank and there is no way to get in touch with them for a Customer Service issue. They do not staff the customer service numbers with automated or live persons. 

The issue- My account has been restricted because of suspicious activity, which is helpful to protect my account, despite the fact I initiated and authorized the XXXX XXXX transfer from my banking account. I received messages that I have to call them to discuss the issue and un-restrict my accounts and I can not get a person to answer the customer service phone numbers. I've tried every number available from my cell and land lines. I've been on hold for over 7 hours over the course of two days. There is no live chat available, despite it being offered as a link, no we'll call you back option, and no email address available to contact them.

How can this be when banking access and brokerage access is critical to modern life. I would like to close my five accounts due to this horrible non-responsive non-existent customer service but I am unable to reach a person for access to my funds and accounts. 

All the while E*Trade is completing a merger and providing egregious bonuses to their Corporate level executives. Please help? Thanks.
Product: Credit card or prepaid card

I keep getting theses Low APR Balance Transfer promotions at 0 % ( especially with my own Bank of America ). The fine print reads they will charge a 4 % transaction fee for balance transfers. To me the 4 % should be included in the APR. Here 's a copy of what I saw : Low APR Balance Transfer 0.00 % promotional APR until XX/XX/XXXXon balance transfers completed byXX/XX/XXXXAfter that, 10.49 % a variable APR based on the U.S. Prime Rate The transaction fee for balance transfers is 4 % ( Min. {$10.00} )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards.

Additionally, I reference my protections under the Privacy Act of 1974 [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of 1965 [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX- 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 a account without my written instructions.
Product: Mortgage

I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening.
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am writing to follow up on my recent complaint regarding inaccurate credit reporting, unauthorized charges, etc, which I submitted several times over the last few years with the most recent date being, XX/XX/year> As of today, I have not received an update on the status of my complaint. This is of great concern to me as this issue directly affects my XXXX XXXX and overall financial well-being. I kindly request an update on my case 's progress and any actions taken to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response so that we can work toward a resolution. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX & XXXX : XXXX XXXX XXXX COLLECTIONS : XXXX # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Specialty Clothing Store   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, XXXX
Product: Debt collection

This company has failed to send requested documentation of how this debt was verified to be mine. This company continues to report this as a charge off on my credit reports monthly and is in violation under the FCRA. This information is inaccurate and has not been proven to me how it is valid.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and as a result, several unauthorized accounts and inquiries have been placed on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below, which are a direct result of the data breach, be blocked and deleted from my credit file. 
The following accounts have been fraudulently opened in my 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a complaint regarding an issue with [ Name of Creditor/Lender ], who failed to notify me about the past-due status of my account. This failure has caused financial stress and potential harm to my credit score. 

Details of the Issue : Account Information : Account holder name : XXXX XXXX Summary of Events : On XX/XX/year>, I discovered that my account was marked past due. 
At no point prior to this discovery did I receive a notification, email, phone call, or written correspondence from the creditor informing me of the missed payment or the past-due status. 
Impact : The lack of notification has caused a negative mark on your credit report. 
Had I been notified promptly, I would have been able to take action to resolve the matter in a timely fashion. 
What Ive Done to Resolve the Issue : I contacted Credit Strong on XX/XX/year> to address this issue and was informed that it was my responsibility to track payments, regardless of their failure to notify me. Despite this, I believe that the creditor has an obligation under federal regulations, such as the Fair Debt Collection Practices Act ( FDCPA ) or other relevant consumer protection laws, to provide reasonable notice of a past-due status.
Product: Credit reporting or other personal consumer reports

In the past several months I have sent letters certified in the mail, asking them to take off the inaccuracies m. I have repeatedly reminded them kindly that According to FCRA section 605b, its illegal to report any inaccurate information on my credit report. Please remove these negative items! The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I KEEP SENDIN LETTERS AND NOTES AND NOTHING CHANGES! XXXX loans are still on there, along with the innacuracies!
Product: Debt collection

I understand that according to FCRA XXXX, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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