23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their " high yield interest '' saving accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I became a victim of the Equifax data breach, during which my personal information was sold and acquired illegally. Consequently, I am requesting the immediate removal of certain items from my credit reports. Enclosed is evidence demonstrating Equifax 's inaction in this matter. I urgently need assistance in expunging these unauthorized accounts from my credit reports. The items that require deletion from my credit report are as follows : XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX EQUIFAX MORTGAGE SER Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My car was paid off by insurance over three years ago and the finance company is still showing it was 30 days past due.
Product: Debt collection

When leaving my duty station in XXXX, I cancel my phone contract with my military orders and did everything correctly. The XXXX XXXX XXXX wrote off the remaining balance. This company bought up this written of debt and is trying to collect. When you review this companies XXXX  reviews you will see it is 90 % service members in the XXXX position. When I contacted the company to get proof the debt was mine all they sent was a bill that was all in XXXX. When I told them how I cancelled it they stated that the XXXX XXXX XXXX XXXX doesnt matter and they were going to collect. On top of that researching the employees name that continues to contact me I have found out he was a practicing attorney in California and has since been disbarred.
Product: Debt collection

LVNV Funding LLC has placed a collection on my credit report for an account that was previously removed in another action. This has created a new line of credit on my report, and it has also started a process of re-aging a debt that has been removed from all accounts. I do not know why this has occurred. I have asked them to remove this only to receive condescending remarks. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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 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 Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$12000.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit card

I opened the account to establish credit when I purchased my new home. I used the credit and they even extended me new credit limits. I paid more the. Minimum due never been late. They closed my account because I have used my credit limit. This company is doing this to many Americans. Im filing complaints with the FL attorney generals office as well. Now my credit will take a hit on a closed account and they had no right to cancel my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a mortgage with Washington Federal bank. I do not have any other account with them. I would like to make extra principal payments against my mortgage. I would like to make these extra principal payments online like I do all other payment transactions at other financial institutions. It is convenient and flexible with respect to timing and amount. 

Washington Federal does not allow making payments online against a mortgage account. I do n't understand how a large financial institution can not allow online payments. The only way I can pay down my mortgage principal is to mail in a cheque or to visit a branch. I feel that Washington Federal is purposely making it inconvenient to pay down my mortgage so that they can collect more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is not properly reporting the up-to-date credit it is still showing a XXXX despite XXXX XXXX and XXXX XXXX XXXX and XXXX.
Product: Debt collection

On XX/XX/23 IC SYSTEM, INC reported a collection account for {$1100.00} on my Consumer Report without following the the basic FDCPA 15 USC 1692g Validation of Debts laws and providing a dunning letter to explain the alleged debt and give me an opportunity to challenge alledged debt. I have NO business nor have I signed a binding contract with IC SYSTEM, INC
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was up with transunion report, we bought a home, did not open any new accounts, and its dropped 100 points. Transunion has always been much much lower than the other two for whatever reason and it cost us a conventional loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, Equifax and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


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
Product: Mortgage

XXXX   XXXX   XXXX  you lied to me when you stated you had nothing to do with   XXXX   XXXX   and that you know nothing about the  XXXX   XXXX ,  XXXX  letter from  the OCC. Also  you have nothing to say about the current resident   XXXX   XXXX   and   XXXX   XXXX  . A mortgage from ch ase Manhattan wa s registered to my name on  XXXX / XXXX / XXXX  that i s five  months after he convinced me to move out claiming he bought the house from   XXXX   XXXX  . THAT MORTGAGE IS IN MY NAME AND I AM OUT OF THE HOUSE.  <P/> I have a letter dated  XXXX   XXXX ,  XXXX  from chase home finance llc.loan #  XXXX  fro m your executive resolution group with CC. TO The Office of the comptrolle r of the Currency, case  XXXX . This is what the letter dated  XXXX   XXXX ,  XXXX  from th e OCC are refe rring too.  <P/> Please explain to the CFPB.  <P/> I see on  XXXX   XXXX  full detail public record where I taken out the loan from  XXXX   XXXX   XXXX / XXXX / XXXX  but I dont see where from  XXXX   XXXX  how ch ase Manhattan Mort gage got back on the chain. Please explain in writing to the CFPB. Produce to them in writing and I will get the reply from them.
Product: Credit reporting or other personal consumer reports

I had applied for the SAVE act earlier this year on student aid website. Then from the phone calls from XXXX  I started the process of trying to get an IDR plan in XXXX of XXXX  online. I printed off the directions and sent a copy of my paycheck. Emailed back and need more information. Then I spoke with a male who talked me into consolidating my loans and he guaranteed me the past due and delinquency would be brought current. This did not happen and now XXXX has reported me being delinquent and has destroyed my credit rating. I feel I was mislead by the employee I spoke with and now have been affected by his direction on how to get current and brought up to date on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Product: Checking or savings account

I get paid weekly and this bank offer first a service that allows you to get paid up to two days early. My account was negative and they closed it even though though I get paid weekly. They took my direct deposit close my account and sent me the remainder. They also offer a service that allows customer to use up to {$250.00} into the negative which I use. I have also attached my statement that shows you I was charged off. They took my last direct deposit and sent me the remaining balance, which seems criminal.
Product: Vehicle loan or lease

I received Orders for XXXX XXXX in XXXX XXXX, and I requested the interest rate to be lowered. I mailed in my request and Orders. I XXXX XXXX XXXX. I never received the decrease in my interest rate. I followed up every month about the Interest and I was told it was being processed. After returning from my XXXX in XXXX XXXX, I was told by Flagship Credit Acceptance I could not receive Servicemembers Civil Relief Act. I was XXXX for a year and it caused significant financial issues the fact I was told it was processing but the interest rate was never reduced. I kept receiving the run around and was treated unfairly.
Product: Debt collection

Enhanced Recovery Collection Agency has not verified the debt in question with the original creditor XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX and have not received proper verification of this debt being mines. Enhanced Recovery has failed to properly validate the debt with a previous dispute stating not enough information was provided to open a dispute. My contact information social security number and address was all provided in the letter which is more than enough to open a dispute.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$170.00} Late/Open XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance Owed : {$140.00} Charged off Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I requested an account payoff letter from Wilshire Consumer Credit to reflect what the payment amount would be to settle my account, the amount given in the letter was XXXX ( per diem interest XXXX a day ). XX/XX/XXXX an amount of XXXX was paid to Wilshire Consumer credit from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX due to total loss following a car accident. I received a payment history letter, XX/XX/XXXX confirming that my account was paid off. Wilshire Consumer Credit however has on my report that my car was a redeemed repossession and {$7500.00} is past due as of XX/XX/XXXX on my credit report. I have proof of all letters to show this to be a false report on my credit report and Wilshire is unwilling to accept responsibility of the letter they themselves forwarded to me, and is unwilling to acknowledge that my account was satisfied. May I also note that Wilshire is trying to settle this account for an additional {$1500.00}. This is my second title loan so I know how the process works to know better than that and Im disappointed to see business is being handled this way, and to think we as citizens are penalized for fraud!
Product: Credit reporting or other personal consumer reports

I HAVE FILED MULTIPLE DISPUTES WITH CREDIT ACCEPTANCE CORP. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY CREDIT SCORE XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( XXXX AND XXXX ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is being reported on my XXXX Credit Report that should not be. The account is as follows : NET CREDIT Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. Net CreditXXXX XXXX XXXX XXXX a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I mailed out 4 letters to XXXX on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the XXXX XXXX. Each time XXXX sent a letter back to me stating " that the company that reported the information has certified to XXXX that the information is accurate ''. In my last 2 letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to Net CreditXXXX XXXX XXXX on XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my XXXX Credit Report as it is highly injurious to my credit rating.
Product: Mortgage

On XX/XX/2018 my XXXX and I inquired via phone with Huntington Bank about applying for a HELOC. We were encouraged to go in person to a local branch to discuss our options. We met XXXX ( branch manager ) who explained a few different options, and that the loan he was considering for us required a XXXX credit score. We were instructed to send pay stubs and proof of homeowners insurance, which we provided via email on XX/XX/XXXX. We did not complete any paperwork at the bank, nor did we sign an application. On XX/XX/XXXX we received an email that referenced some disclosures attached, but when we attempted to open the attachment file, it was empty. My XXXX  had opened the file and noticed documents ; however, they were removed before I could look at them. I emailed XXXX on XX/XX/XXXX to further inquire about the possible loan options and he never responded. We contacted XXXX 's supervisor who informed that we were denied due to low credit scores and late credit card payments, but that XXXX was looking into other options for us. I let the supervisor know that my XXXX 's credit score is XXXX which seemed sufficient for the loan we were told about, and he said that we needed a XXXX  score for the loan product. Further, we have no late payments on our credit cards. We have never received any paperwork or proper disclosures regarding this adverse action, nor did we sign any documents providing Huntington permission to run our credit. We are wondering if this is a RESPA violation, an ECOA violation or a combination of both.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023.
Product: Student loan

My wife and I have consolidated loans on an Income Based Repayment plan. The amount due each month keeps changing. We usually pay online but last month Navient made changes to their website so that it will only accept amounts equal to, or greater than, the minimum amount due. The problem is that the minimum amount due is 84 % higher than the payment plan. 

We have made a couple of these almost double payments but will be unable to continue.