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

My payment is due on the XXXX of each month. I make my payments on the XXXX of each month. They fool around and do not process my payment until after my due date and then charge me a late fee of {$40.00}. This is happening every single month. The company is Capital One. I have a " XXXX XXXX XXXX card. They are located in XXXX XXXX XXXX, Utah. Their phone number is : XXXX. I hope I've given you enough information to solve this case. I do not know who I have spoken with as I have called and tried to resolve this problem " MANY '' times. 

help?
Product: Mortgage

i had looked at my credit report and seen that ASC was reporting that i missed XXXX payments in which this is incorrect i am missing payments but we are in court right now battling forcloser. And even then i am no where near missing XXXX payments because then i would owe this company XXXX XXXX dollars less. this is in correct
Product: Debt collection

This creditor is asking for a debt in the amount of {$390.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus
Product: Payday loan

CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : Golden Valley Lending , Inc . 
XXXX, XXXX, CA XXXX Phone Number : XXXX Fax Number : XXXX Consumer : XXXX XXXX, MI XXXX Loan Type : Installment Loan Number : XXXX TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE FINANCE CHARGE AMOUNT FINANCED TOTAL PAYMENTS The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
760.6361 % {$1500.00} {$500.00} {$2000.00} Amount of Payments When Payments Are Due XXXX {$170.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$150.00} XX/XX/2017 XXXX {$140.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$120.00} XX/XX/2017 XXXX {$110.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$92.00} XX/XX/2017 XXXX {$85.00} XX/XX/2017 XXXX {$77.00} XX/XX/2017 XXXX {$70.00} XX/XX/2017 XXXX {$62.00} XX/XX/2017 XXXX {$55.00} XX/XX/2017 XXXX {$47.00} XX/XX/2017 XXXX {$40.00} XX/XX/2017 XXXX {$32.00} XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, One Main Financial Corporation, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I noticed XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SD, XXXX, doing business as Home Depot/Citibank placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. 

I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. 

Home Depot/Citibank may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act.

I requested Home Depot/Citibank immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.
Product: Credit card or prepaid card

On XX/XX/2019 I received an Amazon.com store credit card in the mail with a credit limit of {$2400.00} and the card is maintained through Synchrony Bank. The only problem is, I did not request, nor did I apply for this card and it has been almost a year since my last purchase with Amazon.com. This greatly concerns me since in order to open up a credit card would require my personally Identifiable Information. I have contacted Synchrony Bank and confirmed the card balance is {$0.00} and I have cancelled the card. When I spoke to Amazon 's Customer Service on  XX/XX/2019 I asked whom open a card in my name and I was told " I can not provide you with that information ''.
Product: Consumer Loan

My name is XXXX XXXX XXXX XXXX ive had my XXXX Hyundai sonata for three years now and the price of the car was XXXX dollars but they told my XXXX XXXX told me after two years I could trade it in for something better I went the a XXXX dealership to trade to get a better year car they told me when they pulled my credit report that it did not show I had a car loan but showed that they car is paid off but ive been making car payments on this car. I finance company was auto credit but now it is XXXX financial I cant understand why the interest rate is so high and how come it 's not on my credit and showing that it is paid off. My social security is XXXX date of birth is XXXX/XXXX/XXXX my phone number is XXXX I need some answers
Product: Credit card

Capital One declined my application for the Venture card. My application number is XXXX. 

I was denied for too many new accounts. I already have two Capital One accounts and would actually rather change one of them ( the Walmart Cap One XXXX ) for for Venture card but they wont permit that, I applied for a new card. 

The letter I received this evening from Capital One contains none of the required information regarding which bureaus they pulled despite the fact that the letter says that they are listed on the reverse side. There is nothing on the reverse side other than an Equal Credit Opportunity Act disclaimer. 

Quite frankly, I am so disgusted with how I have been treated overall by Cap One that I am inclined to just close all my accounts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Consumer Loan

I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't
Product: Credit reporting or other personal consumer reports

Invalid credit report item was realized, disputed, and was updated as valid by XXXX XXXX and the alleged lender. We have not entered into contract for any amount with it or the original alleged Creditor.
Product: Credit reporting or other personal consumer reports

Based on the provided credit report information from XXXX, XXXX, and Equifax for the XXXX XX/XX/XXXX account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : XXXX and Equifax report " Revolving account, '' while XXXX reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : XXXX and XXXX report " Individual account, '' while Equifax reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while XXXX and Equifax do not provide this information. The inconsistency is that XXXX has a specific monthly payment amount, while the other two bureaus do not report any monthly payment. 
No. of Months ( terms ) : XXXX reports " Revolving '' under this field, while XXXX and Equifax do not provide any information. This inconsistency is that XXXX specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : XXXX reports a " High Credit '' of " {$640.00}, '' while XXXX and Equifax do not provide this information. The inconsistency is that XXXX reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : XXXX reports " Charged off as bad debt, '' XXXX reports " Charge-off, '' and Equifax reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : XXXX reports the last reported date as " XX/XX/2023, '' XXXX as " XX/XX/2023, '' and Equifax as " XX/XX/2023. '' There is a discrepancy in the last reported date among the XXXX credit bureaus. 
Date Last Active : XXXX and Equifax report " XX/XX/2023, '' while XXXX reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : XXXX, XXXX, and Equifax provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A debt I 've already paid is on my credit report as a collection.
Product: Credit reporting or other personal consumer reports

I received the finished dispute from Transunion and they did not remove the items as requested. The accounts still appear as closed, all with negative reporting information. According to the FCRA Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.. As of now they are violating my constitutional rights in many ways and each violation is punishable according to USC law .
Product: Mortgage

My payments are sent automatically through my banks bill pay service on the last business day of each month. 

On XX/XX/16 the payment sent was applied to my account XX/XX/16 as principal. This made my future payments appear as if they were late and generated late fees. When I got a notification that my account payment was late, I spent several hours over multiple days getting statements and trying to find out what happened. When the error was discovered I was told my the customer service agent they could not help correct the mistake but would transfer me to another department where I was told the money was already paid to the investor and could not be corrected unless I made an additional payment or applied for a hardship assistance. I met with an attorney who said not to apply for the hardship assistance because it was not my mistake. Eventually I did end up applying in order to try and get everything back on track and was denied because it wasnt a hardship. 

I am trying to refinance my loan and was cleared to go by my mortgage broker. He told me not to make my XXXX payment because we would be closing before the XXXX. On XX/XX/XXXX the broker called to let me know Wells Fargo was now reporting me late for the month of XXXX and I needed to make the last payment which I did on XX/XX/XXXX and it posted XX/XX/XXXX. On the XXXX I was told by the broker because Wells Fargo reported a late payment in the last 12 months, I was no longer eligible for a refinance and the original error needs to be corrected. 

I need my credit report to reflect on time payments which requires the original error be corrected and fees reversed that were generated from this initial error.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Product: Credit card

I signed up for the CareCredit for a specific purchase that offers no interest if paid in time. I used the app to pay and paid the minimum amount that it indicated. It did not say anything about this amount being too low for the promotion or give me any notices on the app, or show an alternative amount to be paid. Other cards manage to do this just fine within their app. They say it is in the estatement, but I believe they are fully aware that most people use the primary page on the app to determine what is owed and find information. I think this is ann intentionally misleading practice to hide important information from the customer.
Product: Credit reporting or other personal consumer reports

Experian responded to my initial CFPB complaint # XXXX. This is a follow up complaint in regards to their response : Subject : Response to Experians Dispute Investigation Dear Experian, Thank you for your response to my complaint regarding the reinvestigation of the incorrectly reported bankruptcies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I appreciate your explanation of the process, I have concerns about the thoroughness of your investigation. 

It appears the reinvestigation was conducted solely by contacting the data furnisher and relying on their response. However, under the Fair Credit Reporting Act ( FCRA ), Experian has an obligation to conduct an independent and reasonable investigation to verify the accuracy of the information reported. This includes ensuring that all claims are substantiated with proper evidence and documentation from the furnisher. 

I feel that Experian did not take adequate steps to independently verify the details of the disputed account, nor did you provide documentation or evidence showing how the information was verified. Simply accepting the data furnishers response without additional verification does not satisfy the FCRAs requirements for a reasonable investigation.

To resolve this issue, I am requesting : 1. A detailed explanation of the steps Experian took to verify the disputed account, beyond merely contacting the data furnisher.

2. Any evidence, documentation, or records provided by the furnisher to substantiate their claim that the information is accurate.

3. Clarification on whether Experian conducted an independent review or relied entirely on the furnishers assertions.

If Experian is unable to provide this information, I request that the disputed item be removed from my credit report as required by the FCRA when information can not be verified. 

I trust that you will address this matter promptly and provide the requested information. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

The collection agency ( Sprechman & XXXX, PA ) is attempting to collect on a non-valid, non-validated and disputed debt within the thirty-day period in direct and blatant violation of FDCPA 809 ( b ) Validation of Debts. Disputed Debts : Summary of Salient Facts : XXXX/XXXX/XXXX : Date of letter by Sprechman & XXXX, P.A. indicating that your office represents XXXX XXXX, XXXX for an account with an alleged delinquency. 

XXXX/XXXX/XXXX : Alleged delinquency letter was delivered to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX/XXXX/XXXX : XXXX XXXX mailed letter to XXXX XXXX XXXX advising that collection agency was attempting to collect on a non-valid debt and requesting confirmation that collection agency was would no longer be attempting to collect on this non-valid debt. 

XXXX/XXXX/XXXX : Sprechman & XXXX ( as Attorney for Plaintiff XXXX XXXX, XXXX ) filed a Complaint and issued Civil Actions Summons against XXXX XXXX and XXXX XXXX alleging a breached contract with Plaintiff. Both the Complaint was filed and Summons issued ( these both constitute an attempt to collect a debt ) prior to the 30-days in which XXXX XXXX was in receipt of original alleged delinquency letter. It was also filed after the letter sent to - and likely received by - Sprechman & XXXX informing them that they were attempting to collect on a non-valid debt. 

XXXX/XXXX/XXXX : XXXX XXXX emailed an electronic version of the letter ( that was originally mailed on XXXX/XXXX/XXXX ) to XXXX XXXX of collection agency per XXXX instructions. 

XXXX/XXXX/XXXX : XXXX XXXX was served the Civil Actions Summons at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Serving a Civil Actions Summons is an attempt to collect a debt. 

XXXX/XXXX/XXXX : XXXX XXXX received a letter from Sprechman & XXXX informing me that I have been served with a lawsuit and instructions to call the Collection Department. Bottom of letter states, " This is an attempt to collect a debt ... '' Sprechman & XXXX has had many violations of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Validation of Debts. Disputed Debts, by continuously attempting to collect on a non-valid and disputed debt. The open complaint is a continued and ongoing attempt to collect on this non-valid, unverified and disputed debt.
Product: Student loan

I have a federal student loan that is managed by MOHELA. I was in the XXXX program that had a judicial injunction that would not let me make payments. Several months ago I submitted an application to switch to an XXXX plan ( submitted in XX/XX/year> ) so that I could make payments. I am working towards XXXX so each month is importantly. Applications are now allowed to be processed and have been for a while. I have called mohela and XXXX  several times and submitted complaints, just they have still not processed my application and allowed me to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The three main credit bureaus, namely EXPERIAN, XXXX, and XXXX, have reported a negative account from XXXXXXXX XXXX on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXXXXXX XXXX stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXXXXXX XXXX has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.
Product: Debt collection

Good afternoon. I would like to file a complaint on XXXX as well as XXXX, XXXX and XXXX. I was reviewing my credit report and discovered several medical bills in collections. I disputed the accounts XXXX and XXXX with all ( 3 ) bureaus several times and the accounts came back as verified. I sent a letter to XXXX on XX/XX/18 requesting validation. The responded on XX/XX/18, but the information mailed does not verify that either account is mine. This information could have been falsified or made up. Again I requested very specific information again, I was sent the same thing. I would like to complain on the bureaus as well. They keep verifying the information, but how if the collector can't even verify the information with me the consumer. It appears that some of the accounts were deleted for a few of the bureaus. I need both accounts deleted from all bureaus. It has been more than 60 dates and ( 2 ) attempts with no validation. I WANT BOTH ACCOUNTS REMOVED or I will be filing a suit against Collection Agency and the bureaus.
Product: Credit card

I noticed while looking at my Costco Anywhere Citicard rewards that it had acknowledged and accepted the charges at XXXX XXXX XXXX XXXX, but was only giving me a 1 % reward for those purchases. When I contacted them, first I was forced to use a bot to try and elicit information, to no avail. Then I was able to live chat with a representative, named XXXX ( according to the system ), who proceeded to tell me that all grocery store gas stations are exempt from this. I then proceeded to ask why this wasn't made clear or available to customers, without knowing they needed to ask for the additional detail regarding the 4 % vs 1 % on gas purchases. 
According to both Citi and Costco 's website 's they state the offer is : " 4 % Cash back on eligible gas and electric vehicle ( EV ) charging purchases worldwide, including gas and EV charging at Costco for the first {$7000.00} per year, and then 1 % thereafter. '' They do not provide the details up front of what is considered eligible. It took specifically asking, after noticing I hadn't received my rewards properly, to get the full details, including a pre-meditated list of gas stations that wouldn't be eligible for the " 4 % cashback '' I believe that this is not only false advertising, but also an anti-competitive strategy agreed upon by both Citi and Costco. 

Thanks for your time.