23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny,XXXX XXXXject : Dispute Regarding Credit-builder Policy and Misrepresentation I am writing to formally dispute and express my concerns regarding the credit-builder policy outlined by XXXX After reviewing your policies, I have noted a significant lack of clarity and potential misrepresentation concerning the implications of late payments on a users credit score. 
Your credit-builder policy states that while there are no interest, late fees, or annual fees, late payments can indeed harm a users credit score. However, I believe that there is insufficient disclosure regarding the reporting of late payments to credit bureaus. It is misleading to promote a service as a " credit-builder '' when the consequences of late payments are not clearly presented, potentially leading customers to believe that they are improving their credit when, in fact, they may be jeopardizing it.

The absence of explicit communication regarding the reporting of late payments raises concerns of fraudulent misrepresentation. Customers, including myself, rely on the understanding that using XXXX 's services will build our credit profiles, not detract from them. Therefore, the lack of clarity in your policy could result in unintended damage to users ' credit ratings. 
I request a prompt response to this matter, including a clarification of your policies regarding late payment reporting and any measures you will take to rectify the ambiguity in your communications. 
Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Im having a problem with this company KiKoff Lending, due to the fact they are not being honest and trustworthy as a company. The company is not following FCRA law to protect consumers from inaccurate credit reporting. I have tried to speak with this company via phone, but they do not have a number. I spoke with them via email and tried to explain that they are obliged to remove this account from my credit report report because its inaccurate as when it was first reported late, and the high credit amount and the payment dates across each bureau differ. Under the FCRA law its their responsibility to report accurate across each bureau. By them continuing to report these inaccuracies, its drastically effecting me and preventing me from buying my first home. This has become very frustrating seeing how this company doesnt get back to you in a timely manner and its impossible to get someone on the phone. I have been dealing with this same issue now for over the past 120 days and made several different attempts via certified mail directly to Kikoff Lending and each bureau that they are reporting to. I have attached the inaccuracies in my credit report and have attached them verifying this information as correct which is not valid via pictures and circle how its different in each bureau and another picture showing how its reports 30 days late on one bureau but report paid on another bureau. I am requesting to remove this company information from my credit report entirely. Moving forward I dont want any further dealings with this company seeing how they are not fair or honest company. I also attached a picture showing the dispute from XXXX, where Kikoff reported it verified an accurate which cant be true, seeing all of the information I have provided you and the attachment showing its inaccurate.
Product: Credit reporting or other personal consumer reports

Never applied for these credit cards XXXX milestone on XX/XX/23. Feb destiny on XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX  years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.
Product: Credit card or prepaid card

This complaint is about the services from capital one credit card company. I ordered XXXX XXXX from a company for {$800.00}, and they were supposed to provide the service on my XXXX and XXXX within ten days after I paid for the service ; they have not done any advertising on my social media pages and I asked them I want my money back I dont need it anymore since the service was not given in the promised time frame, and they refused to give my money back then I contacted capital one credit card company to solve this issue. 
I requested a dispute for the charge which was billed on XX/XX/2021 for {$800.00} on my capital one credit card account, they disputed that amount in the beginning, and a week later capital one returned that {$800.00} back to the merchandiser. I contacted capital about this issue, they just state that the merchandiser provided a non-refund policy and we can not dispute it ; capital one credit card company accepted the merchandisers non-refund policy for a service that was not given and they did not investigate this untrue and fraudulent charge ; I spoke several times to them that the non-refund policy would be applied to an item or service if it is provided to the customer and the customer requests for refund, but for our case, the merchandiser did not provide any services ; but capital one did not follow the consumer rights law, and just said we can not continue this case, and we tried to open the dispute case a few times, however, they closed it and asked us more documents instead of the merchandiser. Capital one credit card company did not even investigate anything that proves that the merchandiser gave us any services, and simply just told us to go to work with the merchandiser or get a cancelation from them.
Product: Checking or savings account

Mid XXXX : Received a booklet in the mail, the contents of which says : earn up to XXXX ThankYou Points if you open a checking account and perform certain activities. " Offer expires XX/XX/XXXX ... If you fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all required activities. '' XX/XX/XXXX : Opened checking account. 

XX/XX/XXXX : Completed all qualifying activities to earn XXXX ThankYou Points. This was later confirmed by two representatives on the phone on XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX : Received an email from Citibank : " Congratulations! You have completed all required activities for the ThankYou Points Checking Offer. The bonus ThankYou Points will be credited to your existing ThankYou Member Account within thirty ( 30 ) days. '' XX/XX/XXXX : Called Citibank. They disregarded what I received from them by mail and what I received on XX/XX/XXXX by email. They said I will get your points on XX/XX/XXXX. 

XX/XX/XXXX : Called Citibank. They disregarded what I received from them by the mail, what I received on XX/XX/XXXX by email, and what I was told by them on the phone on XX/XX/XXXX. They said it will take up to 20 business days to investigate this. I do not trust them at this point, as they have lied to me four times.
Product: Checking or savings account

Someone has used my personal information to open a bank account on XXXX I can not get through to anyone in the company due to the mixup of fraudulent information they have on file.
Product: Debt collection

On XX/XX/2022 I contacted the three major credit bureaus I had a few accounts under my name along with some debt that did not belong to me however XXXX agreed to take the debt off of my credit report on XXXX XXXX AND ON XX/XX/2022 I received a letter in the mail from XXXX letting me know that I owed XXXX to them I contacted the company and told them that I dont owe any dead is that my identity has been stolen twice within a two year frame The company claims that they sent it to a secondary company and now they are harassing me about it then the representative proceeded to tell me that I should file a police report and submit a complaint on XXXX they gave it to a company named diversified adjustment service Inc . The company before was XXXX XXXX XXXX  they deleted it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XXXX  SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek your valuable assistance regarding a matter that has had a significant impact on my life. I believe that the following creditors, XXXX XXXX and XXXXXXXX, have violated the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692f.

I demand that the CFPB enforce the legal provisions to ensure that these creditors adhere to the stipulations laid out by the FDCPA and remedy the adverse effects that their actions have had on my financial well-being. 

XXXX XXXX Account Number : XXXX The creditor, XXXX XXXX, has violated 15 USC 1692f of the FDCPA, which explicitly forbids the use of false, deceptive, or misleading representation or means in connection with the collection of debts. I have experienced firsthand the distress that arises from such violations. The emotional turmoil caused by these unfair practices can not be understated. The stress has affected my sleep, my daily life, and even my ability to provide for my family. 

XXXX Account Number : XXXX Similarly, XXXX has transgressed 15 USC 1692f of the FDCPA by employing false, deceptive, or misleading means to collect a debt. The emotional toll of receiving such communications, characterized by misleading information, has taken a significant toll on my emotional well-being. These actions have shattered my trust in creditors and have cast a dark cloud over my financial future.

These violations have affected me deeply, causing not only emotional distress but also impairing my financial stability. The constant worry of these unverified accounts tarnishing my credit report has left me feeling helpless and overwhelmed. I am concerned that these violations may have lasting repercussions on my ability to secure housing, employment, and other crucial aspects of life.

In light of the aforementioned violations, I kindly request the following actions : Enforce the legal provisions outlined in 15 USC 1692f against XXXX XXXX and XXXX to ensure that they cease the use of false, deceptive, or misleading representation or means in their debt collection practices.

Urge the creditors to remove these unverified accounts from my credit report, thereby rectifying the damage that these violations have caused to my financial reputation.

Provide me with updates on the progress of this dispute and any actions taken to address these violations.

I implore the CFPB to stand as a beacon of hope for consumers who are subjected to such distressing violations. Your intervention and assistance in this matter will not only rectify the wrongs I have suffered but also set a precedent for responsible and ethical debt collection practices. 

Thank you for your attention to this matter. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$450000.00}, XXXX  balance {$250.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$3100.00}, XXXX XXXX balance {$18000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed inaccurate addresses on my report. I have already reached out to the companies and they still have not been removed. 

The incorrect addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily NOT PROVIDED XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX ID # XXXX Single family
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole 156 points below that shown on my XXXX  credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that Capital One didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that Capital One has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that Capital One blames XXXX while XXXX blames Capital One and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my gender identity.
Product: Debt collection

i notice an negative item from AD ASTRA INC ON MY CREDIT REPORT ON XX/XX/2020, IN-WHICH I HAVE NO DEALING WITH AND HAS AN ALLEGED DEBT FOR XXXX $ THAT IS INACCURATE AND SHOULD BE DELETED.I HAVE A COPY OF THE ATTACHED LETTER BELOW OF WHAT I REQUIRE IN RETURN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX,2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX
Product: Checking or savings account

Wells Fargo has been aware of issues with people login in to mobile banking, not having access to their money at a bank as well as not being able to using debit cards. They have been aware of this for over a month now. I have done a complaint before and they are stating I had no issues with my account or login which I have had issues going on for the past month
Product: Credit reporting, credit repair services, or other personal consumer reports

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

have sent multiple letters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I received a text saying From Santander Bank : Did you attempt to make a purchase for {$370.00} on debit card at XXXX # XXXX. REPLY YES/NO/HELP. Dont want fraud texts? Reply Remove. 

I replied with No I then received this text From Santander Bank : Thank you for confirming your activity. You will be contacted shortly. Dont want fraud texts? Reply Remove.

Upon this I received a call from what I now know was the person committing the fraud at XXXX for XXXX minutes and they pretended to be helping me with a false transaction in XXXX, GA. I spoke to the person on the line and told them I have never been to XXXX. They asked for me to read them the one-time-passcodes sent to my cell phone number and I gave them the one-time-passcodes for them to access my account to help me with the fraudulent charges. They then told me that I would not be able to access my account for 10-12 hours while they do their investigation. 

The next day I signed into the mobile Santander App and saw that there was a transaction of {$930.00} to someone named XXXX XXXX. I do not know anyone named XXXX XXXX. 

I called the correct fraud number for Santander and they assured me that they will handle the situation and promptly blocked my access to mobile and online banking.

I went to the branch near my home and brought all the records text messages and phone calls with time-stamps.

After 10 days they told me that my claim was denied. I believe I am wronged because Santander claims to protect its customers from any type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 two letters were sent out by me to XXXX and Transunion ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both Trans union and XXXX and I also have absolutely no knowledge of the inquiries on my XXXX and Transunion. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and XXXX did indeed receive my letters but did not respond within 4 days now it is XXXX XXXX.
Product: Student loan

I attended the College of XXXX XXXX from XXXX XXXX XXXX I participated in the school with the notion I would be going back for a XXXX XXXX XXXX XXXX in School Administration. As I was nearing the XXXX last courses to graduate with the XXXX XXXX XXXX The college decided to close down. Although a Teach Out plan was offered the XXXX XXXX XXXX in XXXX XXXX was not provided. The school gave us a certificate and said we could use it instead. When administrators were contacted since many students intended for the XXXX XXXX XXXX option the administrators of the program said there was no recourse because they did not have a licensed agreement with a Teach Out partner to offer the XXXX XXXX XXXX and they could not do anything. I could have attended another school from the onset to gain a XXXX XXXX XXXX in XXXX XXXX. Mohela was sent a XXXX XXXX XXXX form soon after I learned I would not be receiving a XXXX XXXX XXXX. They immediately sent me back a notification letter 5 days later stating I was ineligible as the school was not closed. I made over XXXX calls to them to ensure them that the school had notified all students of their permanent closure. Moehela refused to acknowledge this. In turn, I contacted the United States Department of Education where I spoke with the XXXX who oversees the closure of schools she confirmed that XXXX XXXX was in fact on their list and that Mohela has the same information she does. Mohela continued to deny this. I then filed a complaint with Federal Student Aid to which Mohela then contacted me to state that the the form I sent in originally was not signed. Another complaint was filed against Mohela when they continued to not take action the matter was referred to the FSA Ombudsman office to which Mohela was directed to resolve. This was from XX/XX/year> to XX/XX/year>. I immediately used their portal to sign the form and return it to them. I was told my situation had escalated and I would hear back from someone in 15 days. To date, No one has called me regarding the Borrower 's defense. My last correspondence at the beginning of this month was a customer service representative stating that my borrower 's defense was approved since XX/XX/year> however it was a matter of their accounting department wrapping up the issue and that again the matter would be escalated for resolution. To date, I can not get anyone on the phone and it is now almost 8 months since the issue was generated and Mohela has yet to correspond or to update the issue and my account. I have spent upwards of XXXX hours or more on the phone on hold for more than XXXX hours to speak to someone then for them to send me to another department where the wait time is another XXXX hours. Mohela is the worst company to ever have as a student loan borrower and I believe I am due some form of compensation for their inadequate services to me as a student loan borrower.
Product: Credit reporting or other personal consumer reports

XX/XX/year> letters were sent to all three credit bureaus asking to investigate accounts that does not belong to me. 

XXXX XXXX for the amount XXXX XXXX  for the amount of XXXX