23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have numerous times requested some sort of payment arrangement or payment extension to bring my past due loan current and my wife and I are continuously misled. I was unexpectedly off work due to some XXXX  I needed and fell behind on my loan. In XXXX I was told my car would be up for repossession unless I made a payment of {$350.00}. I was told if I made that payment that I would be able to get an extension. On XX/XX/XXXX I made that payment. When I tried to get an extension I was denied. Then in XXXX I was again told that my car was up for repossession and if I didn't pay {$290.00} by XX/XX/XXXX that it would be repossessed but if I made that payment I would be eligible for an extension. I made the {$290.00} payment on XX/XX/XXXX. No extension allowed. Now here we are, me being told that if I don't make a payment by XXXX my car will be up for repossession. Every time my wife speaks to someone from this company they promise her an extension if she just makes one more payment, one more payment. Well we've made XXXX, XXXX, and XXXX and no extension is available. We are past due {$1000.00} and trying to dig ourselves out but all Bridgecrest wants is to squeeze one more payment, one more payment, before actually helping us at all. 

My wife handles these things for me as I am hearing impaired and without the device that allows me to communicate effectively by phone. However if bridgecrest would like to reach out to me directly I can be e-mailed at XXXX XXXX
Product: Debt collection

I am writing to express my serious concerns regarding the deceptive and unsafe practices employed by your company in handling my consumer credit accounts with the following reference numbers : XXXX and XXXX. It has come to my attention that your company reported to the credit bureau that I am late on payments, which is inaccurate given that I prepaid when I provided your company with a negotiable instrument upon signing the contract. 

I recently discovered that the negotiable instruments, serving as evidence of indebtedness, were securitized and placed into an asset-backed security without my knowledge or consent. This lack of transparency is a breach of our contractual agreement. Additionally, I would like to bring to your attention the existence of an arbitration agreement in our contract, stipulating that any disputes between us should be handled through arbitration. Contrary to this agreement, your company has taken actions such as reporting to credit bureaus and selling the accounts without adhering to the arbitration process. 

Furthermore, your company 's deceptive practices attempt to portray me as being in debt when, in reality, banks generate money through contracts signed by consumers, and your company benefits from the credit sale we engage in. This reversal of roles is not only misleading but also in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to highlight specific FDCPA violations : FDCPA 807 : False or misleading representations, ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

FDCPA 808 : Unfair practices, ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

I have accumulated a significant amount of envelopes from statements sent by your company, each bearing your logo/symbol, which may constitute a violation of FDCPA 808.

I demand the immediate removal of the accounts associated with reference numbers XXXX and XXXX from credit bureaus. Failure to do so will compel me to pursue legal action for FDCPA violations, defamation of character, security fraud, and additional damages. 

I trust that you will address these concerns promptly to avoid any legal consequences.
Product: Debt collection

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX # XXXX, HUNTER WARFIELD INC # XXXX. They are in violation of FDCPA 805/806/809.
Product: Credit card or prepaid card

I signed up for Capital One shopping about a month ago. Since the XXXX of XXXX I have supposedly earned over {$800.00} in gift cards. I received an email from Capital One shopping ( attached ) confirming the amount and a link to activate my gift card. I did click the link and activate my gift card and got a pop-up saying that I would have it within XXXX days. The next day I believe it was the XXXX of this month, I tried to log into my account and it was inactivated. The only response I can get from customer service is telling me they've terminated my account which they can do whenever they want per their terms and conditions. I've been looking at reviews online and they're doing this over and over to people. They are leaning on their terms and conditions which basically say that they don't have to give you any service if they don't want to and can terminate your account at anytime for any reason. But I find it hard to believe that they're not held up to any kind of standard, especially since we are allowing them to put an extension on our browser and view our browsing history. Aren't they obligated to actually give us the gift cards that you've earned or at least a reason why they cancelled your account prior to redemption?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$310.00} XXXX  XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX  XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} BANKRUPTCY XXXX {$0.00}
Product: Debt collection

Radius Global Solutions contacted me on behalf of XXXX XXXX XXXX to collect a debt that I do not owe. 

I bought an item from XXXX XXXX in XXXX of XXXX. XXXX XXXX signed me up ( unbeknownst to me ) for some subscription plan that I was unaware of until XXXX of XXXX. I messaged XXXX XXXX  through email requesting to be removed from this. They agreed. I then contacted them two other times in XXXX and then again in XXXX because they had not canceled this. They still did not even though they said they would. So, I took action through XXXX ( who I used to pay for this ) and canceled that payment and refund me since XX/XX/XXXX ( even though really it shouldve been since XX/XX/XXXX but I hadnt caught it until XXXX so I didnt have much of a leg to stand on, other than the fact that I didnt sign up for this service that got me nothing. I never received product outside of the initial product either. XXXX resolved my issue by finding in my favor. XXXX XXXX then reached out to me several times pestering me with invoices for products never received. Then they sent me to collections and I received my first notice about a month ago. I disputed this with evidence from XXXX and emails from XXXX XXXX and myself and no action was taken. I have now called and told Radius Global Solutions to stop trying to collect on this debt and am now in fear they are going to unfairly report this nonsense charge to my credit.
Product: Credit card

I purchased an Apple Card in XX/XX/XXXX because there was a promotion when you buy an apple credit card when youre buying a product {$300.00} off instantly. That never happened so the same day that I bought the product I called the customer service they said that I would be receiving an explained to them that if it wasnt the promotion and was misled that I would return it and purchase it on a different card. They all promised me that I would be receiving this credit. Ive called multiple times over the past XXXX months and now I called today this morning and theyre saying that thats not a promotion and I will not receive the credit and I explain to them millions of times that I had only 14 days to return the product so I wasnt going to receive this credit. I was going to return it and just purchase it on a different card no problem but its the return policy XXXX months later cant do anything about it.
Product: Credit reporting or other personal consumer reports

This account is not mine and was not authorized by me Account name : XXXX Account number : XXXX
Product: Debt collection

This debt collector have billed me 2 separate medical bills of {$260.00} and {$290.00} dollars as of XX/XX/XXXX. The bills state that they were opened XX/XX/XXXX out of a state I never lived in nor received any medical treatment and I was XXXX  at the time of the open date.The debt has been sold to another collector and they are starting over the open date of the debt as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).
Product: Credit card

Dear. 
I, the consumer and natural person, was denied credit by when I applied for a citiBank ( HOME-DEPOT STORE Credit card for XXXX ) credit card and Loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by due to the response I received.

is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of If fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 If fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810.

I will also follow up with an invoice for said violations ( ( {$10000.00} ) per violation ). 
Thank you, XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Dispute Resolution Team, Subject : Dispute Regarding Credit Report Information and the Recent Equifax Lawsuit I am writing to dispute information on my credit report in light of the recent settlement related to the Equifax data breach. As you are aware, Equifax reached a settlement in XXXX, in which it was determined that the companys handling of consumer data led to a massive breach that affected millions of individuals. As a result, I am requesting that inaccurate or outdated information resulting from this breach be thoroughly reviewed and corrected. 

Here are the details of the dispute : Name : XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX ga XXXX Account or Item in Dispute : dept of education nelnet Description of Discrepancy : I have no knowledge of this account. I believe it to be fraudulent.

In accordance with the settlement terms and your responsibility to ensure the accuracy of the information on my credit report, I request that this matter be reviewed and corrected. Please confirm the specific actions that will be taken to resolve this issue or any steps I may need to follow for further action.

I have attached supporting documents, including my identification. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the 30-day period specified under the Fair Credit Reporting Act ( FCRA ).

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/XXXX Equifax Dear Sir/Madam , Subject : Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report from your agency, and I identified the following errors that require correction : Item in Dispute : student loan Date of Report : XX/XX/XXXX Discrepancy : I have no knowledge of this account.

I believe this information is incorrect due to no knowledge of this account or said creditors.

I request that you investigate this matter and correct the inaccurate information as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation or an updated credit report reflecting the corrected information.

For your reference, I have attached the following supporting documents : My identification card Please confirm that this issue will be investigated and corrected within the required 30-day period. If you need additional information from me, do not hesitate to contact me at [ your phone number or email address ].

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

This was in XXXX I was scammed out of concert tickets. It was a {$600.00} transaction and XXXX and chase does not let me go back past XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car with XXXX XXXX in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let XXXX XXXX repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years XXXX XXXX  refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.
Product: Credit card or prepaid card

I recently received a Cash App card sent to my home address that I did not apply for. 
The Cash App customer support numbers are both unable to get me to a live human representative to speak to and only prompt me to download the app for chat support, which no one has responded to.
Product: Checking or savings account

Did not receive Chase {$900.00} Bonus for opening new Checking + Savings accounts. 

Terms : Chase is offering a checking & savings bonus worth up to {$900.00} * Receive a bonus of {$300.00} when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. 
* Receive a bonus of {$200.00} when you open a Chase savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
* Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

XX/XX/2023 - Opened Chase Total Checking and Savings accounts XX/XX/2023 - Deposit {$15000.00} into Savings account XX/XX/2023 - Direct Deposited {$100.00} into Checking account Never received any bonus. 

Called Chase customer service and provided coupon code " XXXX XXXX XXXX XXXX '', but was told the coupon code had expired. 

A case was opened by Chase customer service, but never got a reply. 
Chase Case number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX in the amount of {$680.00} XXXX XXXX XXXX, are the result of identity theft, and They are not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


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 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, credit repair services, or other personal consumer reports

I have contacted both XXXX and XXXX  regarding Capital One Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support case on my credit that was closed then was reopened and now its showing I have two cases when I only have one I have one XXXX number which means only XXXX child support case should be showing the closed account that open back up on its own I dont understand it should only be one case that was court order showing the case with the balance of XXXX should not be on my credit at all is showing as if I have two cases when I only have one Im asking the bureaus to remove the messed up account and all its remarks off I only have one case thats for XXXX a month the other one should not be showing that Is very unfair practices and I continue to dispute this to remove it but nothing is happening it needs to be removed immediately or they need to get proof of two cases which would involve two XXXX numbers
Product: Debt collection

I discovered several accounts on my latest credit report that I believe were added without my approval and are inaccurate. I ask that these fraudulent accounts be blocked and removed from my report at once.
Product: Student loan

Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a subscription for credit monitoring with XXXX through Experian. I first contacted them at XXXX on XX/XX/19 to report that the information on my credit report is not accurate. It shows no credit history at all which is not correct. I have 2 active credit cards as well as a history of a paid mortgage.The agent I  spoke with, XXXX, after a 1 hour hold time, told me she would forward the issue to their " support '' team for resolution and that I would be contacted in 7 to 10 business days. I checked the report again after a couple weeks and it was still not correct. I called back on XX/XX/2019 and the agent, XXXX, apologized and told me the issue would be escalated to their support team and that I would hear from someone in 3 to 5 business days. She told me to call back in 5 business days if I still had not heard from someone. On XX/XX/2019 I still had not heard so I called again. This time the agent, XXXX, told me it was still with their support team and she would not give me any ETA for resolution. She stated it was out of her hands. I find it unacceptable that it has been over 5 weeks and no action has been taken to resolve this issue. In the meantime any credit checks done on me through Experian are showing I have no credit which is clearly not the case. Note that I also have credit monitoring through XXXX  and the information in their systems is complete and correct. Please help me get a resolution to this issue.