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

I wanted to close my Capital One Savor card. I reached out to Capital One on XX/XX/2020 to close the card and get my annual fees refunded. Capital one refused to provide me a pro-rated refund of my annual fees while I was trying to close the card. I am a Massachusetts resident. As per Massachusetts law, a pro-rated refund of annual fees should be given to the customer. 

Capital one disregarded the law and it is their policy not to refund the annual fees after 40 days of annual fees. Please investigate and provide a refund of my annual fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed IMMEDIATLEY.
Product: Debt collection

To whom it may concern, This letter shall sever as a formal and last notice of my intention to file suit against Transunion in small claims court due to your blatant disregard of the law, by reporting false information to my credit file. I am disputing the account listed below, I previously disputed the account information as being inaccurate. I asked you to provide me with a full debt validation, which I should have received in 30 days. It has been well over 90 days, and I understand that you are unable to verify this debt because it does not belong to me. XXXX  suffered a major security breach ; this breach leaked the personal data of over 143 million Americans. Due to this breach, my information was affected, my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission. 

Due to your company not responding to me with in the legal timeframe, for my safety I have moved forward with filing a report with the FTC and the CFPB. I have also filed a civil suit against your company, my lawyer has advised, if this information is not removed from my credit file within 8 business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. XXXX  was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against XXXX, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX XXXX
Product: Debt collection

I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.
Product: Credit card or prepaid card

To start of I made a purchase with XXXX using the prepaid American Express Bluebird debit card. I never receive my package and I was already having problems with receiving the package the next day like i was suppose to. So I contacted XXXX and they kept telling me to take it up with my financial bank that I use to make the purchase so i can get my money back when i filed a dispute. I sent everything the bank would need such as proof of conversation with the rep. from XXXX, police report, tracking information, and the reason why I was filing the dispute. They kept on denying the dispute and suspended my account and said i couldn't get another account with them. From what I was told when banking with a company they suppose to see why i never gotten my package and why the company XXXX took my money I spent and not try to at least send me a replacement for the product. Call XXXX Monday they still don't have any idea where the phone is. So Bluebird refused to credit me the money bank that XXXX basically took from me and Bluebird block my number from contacting them about the charge. I literally had to call on another phone just to tell them that XXXX still isn't trying to return my money. But all Bluebird supervisor could tell me is they can't pull up any information about the account since it is closed. Bluebird was wrong for not trying to help me get my money back. {$1300.00} is waaaay to much money to waste and i refuse to let it just be ignored.
Product: Payday loan, title loan, or personal loan

I have tried since XX/XX/XXXX to access my Affirm account via cellphone, as Affirm suggests, but have been unsuccessful due to Affirm Log In issues. 
Affirm Customer Service via the phone has told me that they would advance my account to a supervisor who would send me a email reset so I could relink my cell phone number to my account. This mysterious email has never happened and I have no access to be able to either apply for new Installment loans, pay any current or outstanding Installment loans, or even update my account and see its current status. 
I feel like my concerns are not being taken seriously by Affirm and the entire lack of follow thru, follow up, and at least decent customer service is severely lacking within the Customer Service Division of Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved
Product: Credit card

Urgent Account Review and Dispute of Unfair Interest Charges Dear, I am writing to formally request a full review of my account due to unfair interest charges caused by mistakes on your side. 

Due to an error where I did not receive my invoice, and after my bank blocked my account, I was unable to make a timely payment. I was not properly notified by your team about the missing payment, and as a result, interest and late fees were added without my knowledge. 

Even after I paid {$3000.00} ( covering a large part of the balance and interest ), the interest is still increasing while I am currently out of the country. This is unacceptable and extremely unfair under these circumstances. 

Thank you for your attention. I am waiting for your urgent response. 

Best regards, XXXX XXXX Card number XXXX Member ID : XXXX Phone number : XXXX XXXX XXXX
Product: Student loan

I made my student loan payment before the due date. My payment was then reversed by Aidvantage. The company then only took a small amount of my payment and rejected the rest. Now they are saying my payment is past due. I paid my full amount on time and they are reversing it on their end which is causing my loans to show as past due.
Product: Student loan

I have XXXX federal student loans incurred from XXXX XXXX  I was already on a federal income driven repayment plan and was told it would default switch to SAVE. In XX/XX/XXXX I was supposed to start repayment. On XX/XX/XXXX I went online to Nelnet website to submit my request to switch to SAVE. However, I received email saying on XX/XX/XXXX " no action need while we process your application '' On XX/XX/XXXX " XXXX, your payments are postponed. ", then " your application status : in process XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. During this time, I tried to contact nelnet by phone, only to be put on a wait that I was not able to get a hold of any agents until I tried again now in XXXX. I was automatically placed on administrative forbearance during this time. Nelnet held on to my SAVE application and told me it was processing for 5 months straight, but in this time I was accruing large amount of interest that I am unable to pay back on a lower salary as a XXXX XXXX.As result in the last 5 months, I accumulated over XXXX of interest that could've been waived if I were on the SAVE plan the low monthly payments based on my income. I feel that this is not right, that I should not be penalized with accruing interest rate when it was Nelnet that was taking such a long time processing the transition to SAVE.
Product: Checking or savings account

I need to be able to use the XXXX XXXX to be able to avoid getting XXXX  overdraft fees that are literally fees of me being dead broke so please allow earning to be an authorized partner with Pnc
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX XXXX - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 

XXXX, XXXX - Account XXXX Please remove it from my public record XXXX XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item.
Product: Credit reporting

The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.
Product: Debt collection

I have attempted several times to resolve this collection account with Portfolio. I have informed them that this account was opened by fraud. The have refused to provide any valid proof that this account belongs to me. They have failed to provide proof of my original signature to open this account. I have also disputed this account directly with the cresit card company.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhart. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$520.00}, XXXX balance {$3400.00}, XXXX XXXX balance {$840.00}, XXXX XXXX balance {$1700.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX balance {$2400.00}. XXXX XXXX XXXX XXXX balance {$7400.00}, XXXX XXXX XXXX {$7400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. Caliber home loans left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from Caliber admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. Caliber home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they 9XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to Equifax Credit Bureau as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party XXXX a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. InXX/XX/XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to Equifax credit bureau. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a XXXX balance on my Equifax report. Considering the facts of this matter, I am asking Equifax to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$2600.00} OFFICE OF THE ATTY GEN XXXX {$0.00} US DEPT OF ED/XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX  XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED XXXX {$7100.00} XXXX XXXX A XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against CIC Credit regarding an unauthorized credit inquiry made on my XXXX, XXXX, and XXXX credit reports, dated XX/XX/XXXX. I did not authorize this inquiry, and I believe it is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to CIC Credit, requesting they provide proof that this inquiry complies with federal law, specifically the permissible purpose provision outlined in the FCRA. A company must have proper authorization and a permissible purpose to conduct a credit inquiry. 
In response to my dispute, CIC Credit did not provide the requested proof. Instead, they responded by directing me to contact XXXX XXXX regarding the inquiry. This response is unacceptable, as CIC Credit is responsible for the inquiry and must verify that the inquiry was conducted with my authorization and for a permissible purpose. 
The failure to provide evidence of my authorization, including a document with my physical signature, constitutes a clear violation of my consumer rights. CIC Credit 's deflection to another company does not resolve the issue and further highlights the lack of accountability and compliance with the FCRA.
Product: Credit card or prepaid card

I have the card on autopay to pay previous statement balance. In XXXX I had an opportunity to pay the balance from another source and sent them a check for {$560.00} on XX/XX/2020. Nevertheless, they also charged me again $ XXXX and now I have a credit balance. In addition, because of their double billing, I was charged a {$10.00} fee from my bank. I demanded repeatedly they return excessive balance plus {$10.00} to my bank through ACH, exactly the way they double billed me. They are playing XXXX, responding by meaningless messages to my demands and being openly rude and obnoxious when I call them, including the supervisors.
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  XXXX Account Number : XXXX has violated my rights. Or 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: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
ShellPoint Mortgage XXXX XXXX XXXX XXXX, MI XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( ShellPoint Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. I have owned the subject property since XXXX. Although ShellPoint is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. Therefore, because XXXX has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite XXXX previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.