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

I applied online to 'pre-qualify ' for an auto loan with Capital One to refinance my XXXX auto loan on XX/XX/2021. The amount I entered online was the amount needed to payoff my current loan - {$26000.00}. The Capital One website then showed me several offers - but it showed only the monthly payment, the interest rate ( all 3.33 % ), the loan term, and the amounts I would save compared to my current loan. I tried to look for more details but no more were provided. It then invited me to apply for the a loan offer by selecting one and clicking submit. The interest rates were all the same, so I submitted an application for the 48 month term loan. 

Unbeknownst to me, I had applied for a higher amount than I intended - {$28000.00}. This only became clear to me when at the final step of the application process, when I was reviewing the documents. Capital One was charging a financing fee of {$1800.00} and a lender titling fee of {$15.00}. At no point in the application process was it clear that Capital One had changed my 'pre-qualification ' application to borrow an additional {$1800.00} in order to pay their fees. Capital One 's website showed only the things I mentioned above, and was made such that I could only click on an offer and submit an application - I never put in the amount I wanted to borrow. 

The final stage where you accept the offer has check boxes asking you to verify that you have reviewed the documents and accept their terms. You have to download the documents in order to view them properly, and there is no attempt to verify this is done by the web application. You can check the box without even scrolling through the documents. That is the only place where the amount you would be borrowing is shown. 

This was a misrepresentation and inadequate disclosure on the part of Capital One. I did not intend to borrow more than {$26000.00}. I would not have applied for their loan product had I known that a {$1800.00} financing charge would be imposed. Capital One did not adequately disclose that these fees were in terms of the loan application, and in fact took many steps to obscure their hidden fees by displaying only interest rates and monthly payments in their website. I did not sign the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number 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

You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, XXXX, EXPERIAN and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
Product: Debt collection

I was unaware of this debt claim by Monterey Collections Services, I didnt have the opportunity to depute this information. If in fact Monterey Collections Services believes gave me notification, I am requesting the CERTIFY RECIPT with my name and signature.

1006.34 ( a ) ( b ) ( ii ) Notice for validation of debts
Product: Credit card

i have a capitol one account that was open off fraud. I request account be deleted from credit report.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXX/XX/21 XXXX XXXX XX/XX/21
Product: Mortgage

BSI Financial Services my VA home loan, they have made several errors on the account and i have NO Impound or Escrow account never have,. I tried emailing and call for over two weeks still no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the companies and nothing has been resolved.
Product: Checking or savings account

When I opened my account it was XXXX XXXX XXXX. Years later it switched to key bank. The whole transition was a mess. 
They do not stand by what they claim There is a major disconnect in the branches. When you have a banking issue the branch will tell you to call customer service and when you Do they tell you to go into The branch. Mobile deposits get delayed And charge you a over draft. Even when it clearly states if made before XXXXXXXX XXXX there avliabe the next day. I've called and spoke with customer service several times where they adjusted my account for this these issues. Only to have the fees hit my account a day or two later. 
They held one deposit I made at a branch for XXXX days claiming I signed something that acknowledged that. But never showed proof that I did so. 
After countless emails and calls. Over drew my acccount and charged me ovef400 in fees. 
You can never get a hold of anyone, there no chain of command to calll over issues I feel like this bank will hold your deposits or delay mobile deposits to cause your account to be charged over drafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Debt collection

XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide documentation that demonstrates I am legally obligated to pay this debt. 
What was the original date of delinquency for this account? 
Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. 

I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. 

In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed.

A copy of this request for validation has been sent to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Product: Credit card or prepaid card

hello i have been using paypal credit card 2 % cashback and i have paid all of my bills on time. this month my statrment blance payment due date was on XXXX XXXX. i made 3 seperate payment.one payment of XXXX $ on XXXX XXXX. one payment of XXXX $ on XXXX XXXX and one payment of XXXX on XXXX XXXX the exact due date. the total payments i did is XXXX that is slightly more than the balance i had that was XXXX. 
i had an autopay activated on the acc also.but on XX/XX/XXXX i found out that they have chrged my checkking account TWICE and closed my account right after and charged me interest and rejection fees!!! i was somewhere with my family outside town when that happened and it cost me a lot of stress and money because i couldnt pay my expenses.!! i asked them about that and they said it was a system glitch but they cant do anything. i asked them to reopen my account and they said they cant and they are gon na report to credit bureus that the account is closed due to return payments!!! i called them twice and they put me on hold for about an hr each time. 
can they do whatever they wan na do to me without any supervision sir? 
i just want you to know what happened to me and that wasnt fair to me and they have to be responsible for how they treat their customers. 
thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX  and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Product: Debt collection

I dispute this due to inaccuracies in reporting to credit bureaus. Please see attachment where according to my XXXX credit report it states this account was CLOSED. Whereas, it is still showing up on my XXXX on both XXXX and XXXX, causing Damages to my score negatively impacting it by false-inaccurate credit reporting. 

Please advise, Sincerely, XXXX XXXX
Product: Debt collection

I was never seen in a room. I had XXXX in XXXX places, and they sent me to the medical clinic across the street. I only registered there then was told to go across street to clinic. Dr. did terrible job, .I might of had a XXXX but not XXXX in one day. My husband was with me he should be responsible if anyone.
Product: Student loan

I have been paying Navient in upwards of 500 plus a month for several years now. I have called to discuss lower payments and they continue to give me a ridiculous offers of XXXX to XXXX dollars. They are criminals and need to be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are a result of identity theft. They have not been authorized by myself of anyone with my permission. 
I have an ongoing extended fraud alert and have not been contacted by any of these creditors to verify my application. 

1. XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  5. XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XX/XX/XXXX 6. XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX 7. XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX BYMAILONLY
Product: Checking or savings account

I was receiving XXXX XXXX services from XXXX XXXX and they billed my debit card 7 times for a copayment. XXXX XXXX XXXXXXXX states that if I have a XXXX XXXX XXXX  there is no copayment because they cover the entire visit. Due to this I contacted U S Bank to complain and they sent me 7 forms to fill out that were all the same due to XXXX XXXX collecting {$25.00} 7 different times, total {$170.00}. 
I am XXXX XXXX and thought I filled out these forms the best to my ability but somehow I am now being denied my money that was fraudulently taken from my account using the debit card from U S Bank.

Originally I didnt realize they werent supposed to take this copayment until I contacted XXXX XXXX 
Please help me get my money back. 
XXXX XXXX sent billing to XXXX under the name of XXXX XXXX because she is the owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX. I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.
Product: Credit reporting or other personal consumer reports

This dispute is improper use of my credit report showing two different amounts two different accounts they removed one but not the other the one for XXXX was there first then they updated it to XXXX improper use of my credit report by law and needs to be removed for it being an error on my credit report just like the other accounts I had the same issue with I will dispute this 109 times if I have too it's illegal and needs to be removed I have never seen an account thats open with a XXXX doller Ballance with a XXXX month contract the contract did not last for XXXX months so the contract would be void and needs to be updated to positive or be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe thst the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

First Collection Services sent me a collection notice issued : on XX/XX/XXXX. I received the collection notice via USPS on XX/XX/XXXX. I responded to the letter on XX/XX/XXXX. I spoke with an agent who informed me that the collection would not be placed on my credit report as long as my payments stay current. I set up an automatic monthly debit in the amount of {$25.00} on XX/XX/XXXX. The first payment was debited on XX/XX/XXXX. The second payment was debited on XX/XX/XXXX. No payments have been missed The collection showed up on all three credit reports ( XXXX. XXXX and XXXX as an " Open Account '' ( it is not or it would not be in collection status ) I received paperwork from the collection agency that if and only if I fall behind on payments that I have not fallen behind on payments, First Collection Services is reporting erroneous information ( lying ) about the debit and reporting the incorrect amount of the debt owed. This has to be illegal. After viewing my credit report, I contacted First Collection again on XX/XX/XXXX and the agent informed me that I would just have to deal with it and that this is how business is done.
Product: Checking or savings account

XXXX, banker, opened my account and made several mistakes. She told me it was a {$200.00}. XXXX ASKED IF I WANTED ONLINE STATEMENTS AND SIGNED ME UP WHEN OPENING ACCOUNT-NEVER TELLING ME I HAD TO SIGN UP OR WOULD LOOSE PROMO OR I WOULD HAVE. Promotion NOT {$300.00}. Promo, ONLY After required direct deposits were met ( which  XXXX never informed me of an amount or number ), I asked if I could switch to a student account and would still get {$200.00} Promotion, XXXX said : Yes. XXXX, XXXX branch banker, emailed XXXX that I should not talk to XXXX anymore-I was  getting All Wrong Information. Also to prove I did everything right, in US Bank 's response to CFPB said I needed to sign up on website for online statements-I HAD NEVER BEEN CHARGED  THE {$2.00} STATEMENT FEE UNTIL NOW. ALSO XXXX, BANKER, CHANGED MY ACCOUNT TO ONLINE BANKING IN XXXX THEN WHY WAS I NOT CHARGED THE PAPER STATEMENT FEE BEFORE AND I SHOULD NOT HAVE BEEN NOW BECAUSE I AM SIGNED UP SEVERAL WAYS FOR ONLINE BANKING. US BANK NEEDS TO TAKE RESPONSIBILITY FOR XXXX 'S MISTAKES BY NOT KNOWING THAT THE PROMOTION WAS EVEN FOR {$300.00}. AGAIN IF XXXX TOLD ME I NEEDED TO SIGN UP I WOULD HAVE BUT SHE DID NOT.
Product: Money transfer, virtual currency, or money service

Robinhood has embezzled my money for over a week now and I did not authorize my funds be held or restricted by Robinhood. My funds must be returned to my original funding source. 

Robinhood must reverse my deposit back to the funding bank account. This practice is illegal I do not want Robinhood 's services at this point and their company is now unauthorized to hold my deposited funds as no services where provided me. I will be making a law suit and placing reports with the OCC, SEC and XXXX. 

Furthermore Robinhood sent me an email today stating my instant deposits are now unrestricted however upon me attempting to instant deposit my funds back into my bank account Robinhood canceled this transaction, contradicting their own email which they sent me ; my instant deposit is currently still restricted : see the attached screenshots of the email communications between Robinhood and I, which confirms Robinhood 's negligence in this matter.
Product: Debt collection

I had a credit card that was about to be charged off when I contacted the original creditor and paid the card off. It was reported on my credit as paid and resolved by the credit grantor. Then a few months later the same account was showing up as a collections account now owned by Midland Funding LLC. This has been reporting as a collections account since XXXX although I paid the debt in XXXX of XXXX.