23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i have an account with capital one. i didnt get my statements in the mail for 2 months. 
i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.
Product: Debt collection

I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from MBNA which was acquired by Bank of America in 2006. I do not claim debt.
Product: Credit card or prepaid card

XXXX by XXXX XXXX rental. The payment XXXX XXXX stated they would pay for my rental car. While my car was in the shop. I sent Apple Pay my. Statement. That was reliable. And phone text. But still reverse the charge. Take off then put it back on my statement. Its from XX/XX/2021. From XXXX I went up there and they said they where going up there to get a check, thats been out of my hands along time ago! He said he need a full detailed description on the the bill click it to see if you can pull up the invoice Ok you dont have to the bill is going to my boss -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Two Bank of America credit cards were applied for in my name by an unknown person. They denied the first one when I told them it was fraud, but approved a second application 11 days later. They have since closed both accounts. These incidents occurred on XX/XX/22 and XX/XX/22.
Product: Vehicle loan or lease

An down payment was made with my knowledge they also broke the law because an down payment was not to be made to get the car also down payment was not including into the overall price of the car they are in a violation of the my rights as defined under the FTC holder rule used in the financing of a motor vehicle as per XXXXXXXX XXXX XXXX Any holder of a contract is subject to all claims and defenses that i could assert against the seller including the right to withhold payment and challenge the legitimacy of the account being reported as a charge off this vehicle was repossessed and the account has since been closed, With no clear disclosure regarding a deficiency balance or further obligations the reporting of this account as a charge off does not reflect the full scope of the transaction or resolution under the FTC rule the lender and seller are jointly liable for any unfair or deceptive practices that affected the contract or financing process
Product: Checking or savings account

About ten years ago, I was mislead by a XXXX, California Citibank investment account representative into opening a Brokerage account by investing in a XXXX XXXX XXXX that I later found out was newly established. He pressured me into opening the account and formed an inaccurate financial picture of me but failed to tell me that I could cancel the account within a few days while I went overseas. Needless to say, that account representative no longer works for the company. My account was charged the {$75.00} maintenance fee even though I had enough funds to have the {$75.00} amount waived ; the representative never told me there was a fee or that my account would not be charged the fee. I filed a complaint against the broker but it went unheeded. I spoke with a representative at Citibank brokerage about the fee but was advised that the fees could not be waived retroactively. I have been a Citibank customer for over fifteen years and am owed at least {$750.00} for the annual maintenance fee Citibank brokerage charges for the account. 

I will be closing my account and taking my hard earned earnings elsewhere due to the subpar customer service at the branch in XXXX and XXXX XXXX.
Product: Credit reporting

There are XXXX accounts on my Transunion file reported by XXXX that transunion refuses to remove even after the company sent deletion letters to have the account removed. I requested that the company provide me with validation regarding their claim, and they never provided the documentation. I filed a complaint against the company with the CFPB, in which they were not able to validate the account and agreed to have the information deleted from my credit files. Transunion sent me an updated report from XX/XX/2015, and these accounts are currently listed. By law, if a company can't validate the information they are reporting than it must be removed from the credit files. Additionally, I have disputed this information with Transunion in the past, and they have always verified that these accounts were validated and verified as accurate. Being that the company requested these accounts be deleted, I am not understanding why Transunion will no comply and removed these files from my record. XXXX sent these request electronically to Transunion before this file was mailed to my home and the accounts are still listed. Please assist me with getting these accounts removed as the company XXXX requested and as I have kindly requested.
Product: Student loan

XXXX  of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the XXXX I attended, ( XXXX XXXX XXXX XXXXXXXX ). 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the XXXX XXXX of XXXX states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of XXXX  were XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state XXXX  regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for XXXX  months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the XXXX  " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to XXXX XXXX Letter : 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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Product: Credit card

I had a charge on my Citicard that was not approved therefore was fraud. Th back and I have been trying to resolve this since XXXX. At XXXX point credit card closed case without resolution and claimed I am responsible for XXXX amounts XXXX was over $ XXXXXXXX and the other was over {$600.00}.
Product: Debt collection

In Re : Sam 's Club XXXX  Card issued by Synchrony Bank inclusive of their " Card Security XXXX XXXX XXXX XXXX ) '' product first purchased for the account in XX/XX/XXXX. 
Card Number : XXXX XXXX XXXX XXXX In the year XXXX I suffered my first medical problem with extensive hospitalization from a near death experience. I sought to utilize the above benefit but XXXX never turned it on. The illness came under control in XXXX but later re-manifested itself with another near death experience in XXXX. As a result, I was unable to pay their bill and again sought to activate the Card Security product. They continued to charge me for this product until they canceled the account which was reflected on their XX/XX/XXXX statement. Communications from them then stopped and I didn't hear anything further until their business partner, XXXX XXXX XXXX, XXXX. filed suit against me. XXXX apparently loaded the balance up with thousands of dollars in extra unexplained fees and the filed suit against me in XXXX XXXX XXXX XXXX  Florida. This outfit is not entitled to a XXXXenny from me. Synchrony charged me large premiums for this coverage. I have medical records and billing to substantiate this claim which now approach {$400000.00}. I'm not sure how I could possibly copy them at this time and attach to this submission. They are voluminous. 

I request that these two predators, Synchrony Bank and XXXX XXXX XXXX be brought to justice. Thank you for your efforts in connection with this matter.
Product: Debt collection

I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they provided me a statement from XXXX FL XXXX XXXX. This statement does not prove that this is my debt nor is it a form of validation. Also, this alledged debt has passed the Florida XXXX XXXX XXXX limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.
Product: Student loan

I signed a Master Promissory Note. The application was submitted and the credits have not and were not and still are not being applied to the principal 's account. All debt is the responsibility of the government and the U.S. Treasury issued my credits for the necessity I requested them for. All promissory notes and bills of exchange fall under acts allows by Congress. As a consumer first, then secondly a beneficiary, I have been failed and my character on my consumer report has been defamed since the beginning of the note I signed in 2009. 

The application was submitted and consumer was also forced to sign the application electronically with no rights reserved because the threat of not fulffiling the offer was on the table. The ability of fulfillment of every credit / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed. The subsidiaries of the parent corporation continue to profit from the lack of attention to the account. The transfers of personal information is a violation of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}
Product: Debt collection

I didn't feel like I should pay the debt since it not my debt
Product: Credit card or prepaid card

On XX/XX/2018, I discovered that my recently ordered Bank of America ( BOA ) debit card, with a MasterCard logo, was automatically charged {$24.00} by XXXX, but without my knowledge or consent. Although XXXX  did not have my debit card 's new account number, I was quite devastated when they were still able to charge my new bank card. This odd transaction had prompt me to quickly contact Bank of America to hopefully try to resolve this issue. Within my 1 hour & 20 minute recorded phone call with a very unprofessional woman named XXXX XXXX ( BOA Customer Service Representative : XXXX ), I eventually learned that I was enrolled into a BOA Account Updater VISA-MasterCard program. According to XXXX XXXX, this BOA program would automatically update my XXXX  merchant account with my new bank card information, but only when I chose to order a new bank card with a new account number. Unfortunately, when I asked XXXX XXXX to immediately " cancel '' this highly corrupt and unfair program, I was shockingly told that I did not have the authority to do so. XXXX XXXX also implied that when I initially signed my BOA debit card agreement, I unknowingly " waived '' my right to cancel this program and I automatically gave XXXX and any other merchant the authority to apply new charges to my new BOA debit card account.
Product: Debt collection

See attached letters from Capital One. Capital One closed the accounts on XX/XX/XXXX due to theft and the subsequent fraudulent payments. Capital One then charged off the accounts in XX/XX/XXXX. Then On XX/XX/XXXX, Capital One stated We are pleased to inform you that your dispute regarding the account balance on your Capital One account has been resolved in your favor. We have credited your account. Then starting in XX/XX/XXXX, Capital One claims they found no signs of fraud and the denial of fraud continues to this day. And then one card was sold off. Why was just one card sold? 
I do not understand. If accounts were adjusted due to theft and fraud ; why was fraud denied? And why were cards adjusted after charging off? I was not given the opportunity to continue paying the card debt that was mine? I could not and can not afford the lump sum.
Product: Payday loan, title loan, personal loan, or advance loan

Facing financial issues and struggling to pay this loan. Need some type of hardship assistance.
Product: Credit reporting or other personal consumer reports

I'm not sure what happened, experience has had wrong info on my report forever, I've tried and tried disputing it then the next time I signed on it shows no accounts nor report score no XXXX score and XXXX hard inquiries .I have atleast XXXX accounts altho my credit score is poor im trying to fix it due to divorce in 2018 and identity theft of several credit cards I've been disputing w no luck removing I still have the right to an accurate credit report, I believe my info was breached and ask it be fixed immediately and updated please
Product: Money transfer, virtual currency, or money service

Someone is using my name and email to register for a website called MoneyLion. It seems to be an online financial banking system. I don't know what it is and I did not approve it.
Product: Credit reporting or other personal consumer reports

I have identified an inaccurate item on my TransUnion credit report and have made multiple attempts to have it removed. However, after submitting a dispute to TransUnion on XX/XX/XXXX, they responded on XX/XX/XXXX directing me to your XXXX for further assistance. The disputed item, listed under XXXX XXXX XXXX with an account number XXXX, is incorrect because the balance is inaccurate. I have also contacted XXXX XXXX XXXX to resolve this issue, but I have not received a satisfactory resolution. This inaccurate entry is negatively impacting my credit score, and I am requesting the CFPB to investigate this matter and ensure TransUnion properly reviews and removes the incorrect item. I have attached supporting documentation, including my initial dispute letter to TransUnion, their response, and any relevant evidence proving my claim. I appreciate your prompt attention to this matter and request updates via email at XXXX or by phone at XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, sent Equifax a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX and XXXX credit report last month, but Equifax has failed to remove it. The account is collection XXXX XXXX XXXXXXXX. I am requesting that Equifax follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed which appears on my credit report, is the result of that XXXX. Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, the XXXX reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a PDF attachment, listing all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.Credco XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Hey I want these hard inquiries. Removed off my credit report. I didnt authorize these companies to run my credit its fraudulent. All these inquiries were unauthorized Im a victim of identity thief. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I recently looked at my credit reports and noticed that Wells Fargo Dealers reported negative marks 30,60,90 Days Late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve