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

I have been a Capital One Credit Card holder with the same card since XXXX. Since then I have started to use credit cards less because of my financial situation. I actually don't use this credit card at all for the last two years. I have called them directly multiple times in the last three years to downgrade my current card that has a {$59.00} annual fee to another card with no fee. They have multiple cards that they can downgrade me too with no fees. This downgrade would allow my to keep my 14 year credit history with this card. 

For the last three years, I have called them prior to my annual fee anniversary to either downgrade my card. They have always said there is " No Downgrade Promotion '' right now but check again later. I feel this is a scam where they are holding my credit history XXXX for $ XXXX. The only way out is to cancel the card and let my credit get a hit. 

Here is the scam : They said that sometimes they're supposedly " upgrade/downgrade '' promotions by the marking department that is released, but they don't tell consumers. You have to call them to find out about them. Also these are time sensitive promotions. So unless I call EVERY DAY, I probably missed it. I have never heard of a promotion to upgrade/downgrade in the three years I have randomly called them. 

On XX/XX/XXXX, I called knowing XX/XX/XXXX was my card anniversary and the day before the annual fee was posted. They said I have to call after XX/XX/XXXX, because they can't help me till the annual fee has been posted. On XX/XX/XXXX I saw that my annual fee was posted online. I called and they said I should had called before the posting, because the agent would had checked if there was any pre-anniversary offers. What? But I did! 

They advised me to use the credit card to offset the {$59.00} annual fee by earning points. At XXXX cent per point, I have to spend {$59000.00} to cover my {$59.00} annual fee!!! This is highway robbery! PLEASE LOOK INTO THIS!!!! This is so wrong, they are taking advantage of consumers via a technical loophole. 

I have companied to the XXXX and gotten my {$59.00} annual fee back for this year. But, I want a down grade. I don't want this to happen to other Americans. They are holding our credit history as ransom for the cost of the annual fee! There is no way you can downgrade your card because the process of downgrading is purposely made difficult if not impossible by Capital One. The longer you are with the company, the more likely you are to pay the fee to keep your credit history. It's an ingenious trap and so so wrong.
Product: Debt collection

sent debt validation letter to credit bureaus on XX/XX/2024 more than allot 30 days to respond
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$26000.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$15000.00} XXXX  XXXX BALANCED {$8100.00} XXXX XXXX BALANCED {$2200.00} XXXX XXXX BALANCED {$16000.00} XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Systems inc XXXX XXXXXXXX XXXX this account is over XXXX XXXX XXXX. it was paid in full in cash prior to my visit or they wouldn't allow me to have the appointment. I have sent multiple complaints in to the credit berues and they actually had to remove them. however, they keep switching companies and resubmitting the claim. the acutal visit was XXXX  XXXX plus and now its showing XXXX this information is incorrect. not only this they sent me a copy from XXXX of the services they provided with all my personal information on it. i have sent them notice after notice
Product: Debt collection

I dispute your position that my identity theft claim is unfounded. WHOM DO YOU THINK YOU ARE TO JUDGE ME ABOUT WHETHER OR NOT I'VE BEEN A VICTIM? It is completely baseless to claim that you have the authority or the legal standing to make such a decision. You can be confident that I will promptly contact an attorney to begin legal action if you continue with this wrongful denial. I demand that you follow the stringent legal procedures that regulate claims of identity theft. I am providing you with an official law enforcement agency report, duly filed with a federal agency, to underscore the gravity of my case. Let 's get this resolved as quickly as possible in the allotted five days. 

Unfortunately, it appears that my attempts to make this right have not been received well. It seems that your bureau has not taken the seriousness of my identity theft case into consideration, despite the significant proof I have presented. I feel abandoned, irritated, and powerless as a result of this lack of acknowledgment. 

I implore your bureau to acknowledge the seriousness of my identity theft claim and take immediate and decisive action. I request that you conduct a thorough investigation into the matter, validate the authenticity of my evidence, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek assurance that you will take steps to prevent the recurrence of such unauthorized activity in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX Please be aware that if my concerns are not addressed promptly and satisfactorily, I am prepared to seek legal counsel and escalate this matter to relevant regulatory authorities to ensure that justice prevails.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX XXXXXXXX XXXX XXXX ACCT : 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 

15 U.S.C 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. 

Furthermore, I have never missed a payment on this account.
Product: Debt collection

I've been repeatedly called and received letters from American express regarding a credit card debt in which I did not authorized or applied for. The only Hilton Honor Card credit card I authorized was the Hilton Honor XXXX visa card that I was informed a year later after started using that visa card. I was notified through via mail in 2008 that there will be a change or transfer from Hilton Honor XXXX visa card to the Hilton Honor American express card. I did not authorized this transfer and they kept on bothering me to pay off the debt. As a result of that transfer, my interest was compounded, reported and transferred to that American Express account that I did not authorized. I've been consistently making my payment on my original Hilton Honor account consistently and I believed I balanced out that previous balance which I started off with. As of today I have been continually being coerced to pay off a debt that was a result from that transfer to that unauthorized American Express account. As of today my credit score and reports was negatively impacted due to the non payment reported on a American Express card that was not authorized by me.
Product: Credit reporting

Upon accepting the terms of background screening for employment purposes and request of a copy ; information provided in the consumer report proves inaccurate. The consumer report clearly reports information given that does n't match that of mines. Whereabouts of how the information was concluded are unknown given that no records are available to prove otherwise.
Product: Vehicle loan or lease

When I bought my car in XXXX of 2013 and financed most of the purchase price Wells Fargo Dealer Services I was forced me to buy " Gap Insurance ''. 

The insurance was never fully explained to me, I was not told that the insurance was an option and not required, and the representative at the Dealer told me that if I did not accept the " Gap Insurance '' then they could not finance the purchase of the vehicle. 

Because this was all disclosed at the last minute while signing the purchase/ finance agreement documents I had no choice than to accept the terms.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Against SoFi Bank for Inaccurate Reporting and Inadequate Compensation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank for inaccurate reporting to credit bureaus, which has caused significant financial distress and hardship. Despite SoFi Bank acknowledging their error and offering compensation, their proposed resolution is inadequate, and their practices warrant further investigation. Details of Inaccurate Reporting : For example : " SoFi Bank incorrectly reported a late payment for XX/XX/year> on my loan account to XXXX. I have attached copies of my bank statements demonstrating that this payment was made on time. 

Impact of Inaccurate Reporting : The inaccurate information reported by SoFi Bank has severely impacted my financial well-being. [ Detail the specific consequences you have faced due to the error. Quantify the damages whenever possible. For example : " As a direct result of this inaccurate reporting, my credit score dropped by [ Number ] points. This led to [ Creditor Name ] reducing my credit limit by [ Amount ], and my application for a loan with [ Lender Name ] for [ Amount ] at [ Interest Rate ] was denied. I was forced to accept a loan with a less favorable interest rate of [ Higher Interest Rate ], resulting in an additional cost of [ Additional Cost ] over the loan term. '' ] SoFi Bank 's Response and Inadequate Compensation : SoFi Bank has acknowledged their error in reporting the inaccurate information. [ Describe SoFi 's response and the compensation they offered. For example : " On [ Date ], I contacted SoFi Bank regarding the inaccurate reporting. They acknowledged their mistake on [ Date ] and offered [ Amount ] as compensation. '' ] I believe this offer is inadequate considering the demonstrable financial harm I have suffered as a direct result of their negligence. Desired Resolution : I request that the CFPB investigate SoFi Bank 's reporting practices and take appropriate action to prevent similar incidents from occurring in the future. I also request assistance in obtaining a fair and reasonable resolution from SoFi Bank, including [ Clearly state your desired outcome, such as correction of the inaccurate information, adequate compensation for financial damages, and any other relevant requests. For example : " a full correction of the inaccurate information on my credit reports with all three major credit bureaus, compensation for the increased interest costs I incurred due to the higher loan rate, and reimbursement for any fees associated with applying for new credit. '' ] I have enclosed copies of supporting documentation, including [ List all attached documents, such as bank statements, communication with SoFi, credit reports, loan applications, etc. ]. Thank you for your time and consideration. Sincerely,
Product: Credit reporting or other personal consumer reports

I keep getting notification of inquiry check on my credit report. I have not applied for a loan or credit card. Here are the companies I'm getting this from. 


XXXX XXXX Onemain Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report to find the following items i don't recognize. I have explained the discrepancies of the following hard inquiries from XXXX XXXX XXXX and XXXX XXXX. to my records the inquiries they are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding an unauthorized credit inquiry that appears on my Experian credit report, which has been unjustly left unresolved despite my attempts to address the issue directly with the credit bureau. Upon reviewing my credit report, I identified an inquiry dated XX/XX/year>, from XXXX XXXX  XXXX, which I did not authorize. I have my Report FTC # XXXX reporting the situation, According to Section 604 of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are only permitted to provide credit reports under specific circumstances. However, in this instance, no permissible purpose exists for this inquiry, as outlined under 15 U.S. Code 1681b. The creditor has failed to provide any documentation or proof, whether written or verbal, demonstrating that I authorized this inquiry.Additionally, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, the consumer reporting agency is required to verify each inquiry listed on my credit report by producing the original signed contract or authorization from the consumer. Despite my formal request, no such verification has been provided, and the inquiry remains on my report. This failure to verify raises concerns about potential fraudulent activity, which could negatively impact my credit report and financial standing.Experian has denied my requests to remove this unauthorized inquiry, which directly violates my rights under the FCRA. As a consumer, I am entitled to accurate and verified information on my credit report, and this inquiry does not meet the legal requirements for inclusion.I respectfully request that the CFPB take immediate action to ensure that Experian complies with its obligations under the FCRA and removes this unauthorized inquiry from my credit report. I appreciate your prompt attention to this matter. 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Checking or savings account

XX/XX/year>, made an ach payment for an auto loan to a different credit union and the claim I entered the wrong acct.
Product: Checking or savings account

XXXX by Goldman Sach auto renewed my Certificate of Deposit ( CD ) with NO NOTIFICATION received to wan me. 

I finally received a letter on XX/XX/2021, at XXXX by US Postal Service from XXXX by Goldman and opened it dated XX/XX/2021, 11 days late that my CD has been auto renewed. 

I never received any letter of notification of the CD expiring and finally got an auto renewal 11 days AFTER dated letter. SOmething is FISHY!!!! 

Contacted XXXX and 2 supervisors REFUSED to allow a cancelation waiving the penalty which XXXX claimed was over {$1100.00}. I protested saying the CD should never have been renewed if I have gotten notification and the confirmation was 11 days after this gimmick. 

XXXX is a company who does NOT care about long term customers. 

My request to be transferred to XXXX executive office was DENIED even when I advsied I was fkig a US Government complaint which XXXX Executive office would have to respond. SO the two supervisors are just the lower end bullies no allowing cooperation above their level.

SO the refusal of two supervisors to allow contact with XXXX XXXX XXXX creates MY LABOR work and a formal letter to resolve when the two uncooperative supervisors could have solved the issue and transferred the cal. XXXX si not a customer friendly internet bank especially for JUMBO accounts and long term relationship.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to the account listed above with XXXX XXXX XXXX This is the third time addressing this matter, After reviewing my credit report, I found several discrepancies that I believe warrant immediate attention and correction. 

1. Reported Balance vs. Charge-Off Amount : The account shows a reported balance of {$0.00}, while also indicating a charge-off amount of {$990.00}. This inconsistency is misleading and creates confusion regarding the actual status of my account. 

2. Inconsistent Payment History : While the last payment was made in XX/XX/XXXX, the account continues to reflect a charge-off status and lists ongoing delinquencies through XXXX. This does not align with the standard reporting practices. 

3. Date of First Delinquency : The account states a date of first delinquency as XX/XX/XXXX, which conflicts with the last payment date. This discrepancy raises questions about the accuracy of the reported delinquency date. 

4. Inaccurate Delinquency Reporting : Despite the account being closed in XX/XX/XXXX, it shows ongoing delinquencies from XXXX to XXXX. According to the Fair Credit Reporting Act ( FCRA ), negative information must be removed after a certain period, and this reporting is clearly in violation of that law. 

5. Lack of Clarity in Reporting Terms : The account indicates a terms frequency of " MONTHLY '', but the activity designator is vague, labeled as " TRANSFER_OR_SOLD. '' This lack of clarity can lead to further misunderstandings regarding the account 's current status. 

6. Inaccurate Account Closure Date : The account was closed in XX/XX/XXXX, yet ongoing charge-offs and delinquencies beyond this date suggest significant errors in the reporting period. 

Given the aforementioned discrepancies, I respectfully request the immediate removal of this account from my credit report. This is my third attempt to resolve this matter, and I believe it is crucial for accurate information to be reflected in my credit history. 

Please conduct a thorough investigation into this matter and update me on the outcome as soon as possible. I have enclosed copies of relevant documents supporting my dispute for your review. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX 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

This is my sixth 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 ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.