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

We were approved for Capital One XXXX  card which was activated XX/XX/XXXX with a {$20000.00} credit limit. Each month since that date, we paid off the entire amount of the bill which varied from {$1100.00} for a month up to {$4000.00} another month ( new windows for our house ). We never had an outstanding balance until the XX/XX/XXXX bill was not received by us. After calling Capital One on XX/XX/XXXX and being advised the bill was {$1500.00}, I promptly paid the entire bill and sent it via XXXX. They unfortunately received it late and posted it XX/XX/XXXX. ( Our only late payment because we didn't receive the bill XXXX XXXX XX/XX/XXXX, I called Capital One to advise them that my husband died XX/XX/XXXX. I thought this was the right thing to do, however, on XX/XX/XXXX, the Estates department of Capital One sent me a letter stating the account is now closed and the card could no longer be used. I have been the principal user of this card and paid the entire balance faithfully for over two years. But just because this card was issued with HIS name as the main creditor, they have cut off his widow from this benefit. We both had a card with our own names on them, but now I am denied credit from Capital One.
Product: Credit card or prepaid card

American Express platinum card has a monthly credit for a XXXX XXXX  membership. XXXX has been billing differently lately - the charges come through as annual rather than monthly. This has gone on since XXXX and Amex hasnt fixed the issue or given the credits as they should. I wrote in last week and got nowhere. This is a global issue and credit forums are full of complaints of this issue. Amex has not resolved yet. See attached screenshots for the runaround amex has given people rather than resolve
Product: Checking or savings account

I called Citibank to inquire about the XXXX bonus that I am due. I completed over XXXX of direct deposits ( 2 of them ) within the 90 days of account opening and it is now several weeks after that. I got the run around from several Citibank employees and kept being referred to either the branch or another department. I was told by an employee named XXXX that I did not meet the requirements but told by 3 others that I was. I checked the terms and conditions and I know that I met them. 

When I had tried reaching out to several branches I had a very hard time getting in contact with anyone and the last person I spoke to was helpful but told me it would be several more days until I get a response after I have spent so much time dealing with this matter. 

I am tired of dealing with the issues that I have with this bank and just want to be treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apart of a data breach that exposed my personal information. As a result, there have been numerous unauthorized inquires placed on my credit report from fraudulent activity.
Product: Debt collection

Debt collector repeatedly called my job. 6 times back to back. Spoke to 2 of my supervisor. Telling them I owed {$1700.00} in medical bills. Which was not true. I owed XXXX, XXXX, XXXX.
Product: Credit card or prepaid card

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 than 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 that the information is inaccurate.
Product: Credit card or prepaid card

I purchased a year long membership with XXXXXXXX XXXX using a CapitalOne GMCard on XX/XX/2016. At the time, I authorized a one time payment to pay for this membership in full. A contract was drawn up that showed I paid in full for that year. Two years later, I went back into the gym, and was told I could pay month to month. I gave them a different GMCard to pay for the first month. I never signed any paperwork. I was specifically not under any contract or obligation to them. I realized later that they had stored my credit card info and were charging me automatically on the new card despite my not having authorized it. When I finally had the chance, I called them and told them to stop charging my card. They demanded that I come down in person and fill out a request to cancel membership. I had just given birth at the time, and could not physically go to the gym. Furthermore, I had not authorized this charge, nor was I under contract. A contract signed three years ago and paid in full does not become binding again because I set foot at that gym again two years later. I called CapitalOne to dispute the  charges. XXXX responded to the with the contract from XX/XX/2016. On the contract, it clearly states paid in full. Furthermore, it has a different credit card number, which was the one I authorized them to use for the one time annual fee. This was not the one with the disputed charges. CapitalOne kept demanding paperwork from me that I did not have. I can not prove that I didnt have a contract ; I can not provide documentation that doesnt exist. I called CapitalOne and, at the request of their rep, wrote and submitted a letter explaining why I couldnt produce the paperwork they requested. A week later CapitalOne sent me a letter saying that my dispute was denied because the 14 day period in which I had to produce the paperwork had passed.
Product: Payday loan, title loan, or personal loan

Obtained solar from a XXXX XXXX sales person at our home. We signed on a XXXX  to run for us to get a loan with XXXX XXXX  and it didn't approve. We signed nothing else and he said he would run it through others and said we were approved through Goodleap. Our solar was installed early XXXX and has never ever worked properly yet Goodleap released the entire loan amount to XXXX  before they even completed the project or had the system working properly. We were told what the payment would be but never received the actual loan papers until we called and complained. Upon receiving these we discovered our information was inputted by the sales person via the original docusign we completed. We also were told that our payment would stay stable if we applied the 26 % tax refund we would receive on the system to our loan. Afterwards we found out that it simply is a tax credit and our loan would go up over XXXX unless we paid a lump sum of over XXXX before XXXX payment. XXXX  and Goodleap the lender knew these promises and practices were not true and used shady sales and lies to sell us a subpar system that is way under valued for what we paid. We have to have another company service us which will also cost us money and Goodleap takes no responsibility for their practices. We have a at most XXXX system that will cost over XXXX due to overpriced products and predatory lending practices.
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 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

I paid my XXXX XXXX account in full, however, XXXX XXXX reported that I paid in settlement. I contacted to XXXX XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian has verbally refused to acknowledge my overall outstanding credit card/unsecured debt is less than {$56000.00}. Ive informed them based on their consumer profile update. ( XXXX ). My free annual credit report from 3 major credit reporting bureaus reflect less than {$56000.00} total unsecured debt credit card and line of credit debt. 

Experian has my account status reflecting more than {$60000.00} in debt, raising my credit utilization to 100 % thus creating a down grade by 2 significant avenues, revolving debt carried is considered higher than necessary and credit card accounts inaccurately showing XXXX credit available for me to utilize based on continued use of 100 % credit utilization identifier. 

Additionally, Experian claims that a retail credit card provider, XXXX XXXX has reported acknowledgment of a late pay I was responsible for in XX/XX/XXXX. I spoke to XXXX XXXX and I was not given confirmation that such a comment was forwarded inclusive of my 30 day credit lender submittals. Even though this information is not considered a derogatory or major reporting on my profile, any negative information can impact my score up to double digit reduction in credit rating worthiness. 

Experian is using tactics that are vague and poorly supported when theyre challenged on the position held against me. 

Are used to carry a credit score in the 690 range and possibly close to 700 during the first quarter and parts of the second quarter of XXXX. No I did have hard inquiries on a home loan refinance which amounted in five application submissions during the month of XXXX and other than that I paid off my student loan. Experian drop my credit profile by well over 30 points with no other negative credit impact eligible for consideration. At least no negative reporting that was of major incident to the best of my knowledge. 

I feel as though Im being influenced to consider their boost program and potentially other credit monitoring programs that serve their interests before mine. Im not going to spend extra money or join credit monitoring that is historically unnecessary. 

Im asking for the CFPB to assess my grievance and encourage Experian to adjust my credit rating based on my years of experience, timely payment of my debt obligations, real debt associated to my profile, etc. 

Thank You, XXXX XXXX
Product: Student loan

Upon my Filing for Chapter XXXX, my daughter 's student loan, that I co-signed for, was taken out of deferment and charged off. ( sent to collection ). The bankruptcy was completed in XXXX XXXX and we ( Myself and daughter ) believe they are claiming that a payment was missed and a delinquency was reported in XXXX XXXX, for a payment amount that was established by them and at no time was it told to my daughter or I that it had been established. We think they are attempting to or will attempt to move the Statue of Limitation date. My daughter has been and is currently a XXXX with full deferment qualifications, with no lapses. She has Federal loans that to this day are in good deferment standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a bankruptcy without providing any proof only keep saying it has been verified when I dispute. VERIFIED BY WHO BECAUSE courts dont verify or give the company any information
Product: Mortgage

XXXX entered a legally binding purchase contract with buyer XXXX XXXX who secured financing through XXXX, XXXX XXXX, via pre-approval. XXXX fulfilled contractual obligations such as {$5000.00} worth of renovations, non financial contractual obligations like ( having to take her home off the market for XXXX days in peak selling season and having to vacate her home unexpectedly multiple times for renovations/ due diligence obligatory vacates ), and MOVING based off the assurances of XXXX, XXXX XXXX  XXXX XXXX XXXX  and verbal/ written communications provided by him, when suddenly and past deadline, the loan was denied for previously approved terms without any XXXX- as contractually obligated- stating difficulties securing a loan. XXXX would like to sue the lender for fraudulent misrepresentation, negligence, breach of contract, and financial/ punitive damages.

Heres how the lender breached : The lender knowingly misrepresented the loan status. As per the LSUs, the lender knew the buyers job, debts and verified their debt-to-income ratio by running credit, checking tax forms, etc. ( lines 1-40 ). This indicates the lender fraudulently induced them to continue with the contract by providing false confidence in the buyers financing, then failed to provide updates as the lender became aware of changes. 
Negligent misrepresentation- lender carelessly caused the sellers reliance and financial harm because the lender knew and understood the sellers financial due diligence in the contract yet negligently approved the buyers ability to close when the buyer in fact, could not close. With all of the information provided by XXXX, the lender had plenty of time to either update the seller of complications, or properly check the buyers ability to close.

Failure to update or retract- lender continued to assure the seller of the buyers ability to close even though the lender knew that the sellers financing wasnt secure. 
- Additionally the lender had a contractual obligation to provide the seller with a written XXXX or the CD on XX/XX/XXXX of the contract, which the lender failed to do. 
Deceptive Trade Practices- under Arizona state consumer protection laws, The lender made false statements about the financing in progress in connection with the sale of the home which violates Arizonas consumer fraud act- this is a general violation outside of the purchase Contract.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my leased Truck was XXXX XXXX XXXX XXXX. My truck was in the XXXX dealership body shop where I leased it from, between the dates of XX/XX/XXXX until my lease ended, which was XX/XX/XXXX. I never got the truck back. GM was delayed in getting a XXXX to the dealer to XXXX the truck. The dealer checked in the truck after the lease end date which caused my lease to automatically renew for one month. GM Financial added another payment to my lease. All lease payments were made on time to GM Financial throughout my entire lease. I never defaulted on payments. I've been contact with GM Financial for several months daily, calling, emailing and talking to supervisors letting them know I don't owe any more payments. The dealer and GM themselves have called GM Financial to let them know I don't have the truck and it was checked in late by the dealer, which, is not my fault. XXXX XXXX is the dealer. They were told numerous times to check in the truck, however, they were negligent and did not on time. Now GM Financial has reported me to the credit bureaus and has drastically affected my XXXX XXXX. I am trying to buy a house and I have to get another vehicle. My credit score was XXXX now it is XXXX because of this. I did nothing wrong. I paid GM financial all my payments that were required and now I am affected drastically by this. I am stressed out and NO ONE gets back to me. They all apologize the for the inconvenience, however, nothing changes. NOT one person from GM financial has called me back to resolve this. They reported me and still say I owe a payment when GM is trying reimburse me for payments made for the whole year I didn't even have the truck. GM Financial has been made aware of XXXX XXXX 's late check in date, GM Financial 's system does not allow for the dealer to check in the truck more than 2 weeks in the past. I have tons of email, phone call and letter documentation that supports all my claims. This is completely unfair and abusive by GM Financial. There is no valid reason for them to report me to the credit bureau. I've worked very hard in my life and have maintained an excellent credit score, which now has been drastically affected. I have missed important meetings, phone calls and reviews for my employees due to being on the phone with GM Financial and concerning this matter. I am appalled.
Product: Vehicle loan or lease

Kia Motors Finance  XXXX .   XXXX    XXXX   XXXX   XXXX , CA  XXXX  Subject : VIN #  XXXX  1 ) I bought a  XXXX   XXXX  on  XXXX    XXXX   and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last  XXXX   XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation.    2 )  Also, I would like to request a waiver on my account number  XXXX  of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed  Kias  account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.
Product: Credit card

I have a USBank personal credit card account which should currently have a XXXX balance, but does not as USBank is claiming that I owe yet another {$100.00} in interest charges in the next 8 days. 

I have a credit limit of {$14000.00}. According to my XX/XX/XXXX billing statement, I had a balance due of {$10000.00} where a {$350.00} payment credit was made, with alleged interest in the amount of {$220.00}, leaving a billed balance of {$10000.00}. This statement shows an opening date of XX/XX/XXXX and a closing date of XX/XX/XXXX. Unbeknownst to me, and based on the information provided to me through the online account, I submitted a payment of {$10000.00} on XX/XX/XXXX. My understanding was that my account would be a XXXX balance with said payment. However, I logged into my online account on or about XX/XX/XXXX and discovered that my balance was not XXXX, but instead, carried a balance due of {$220.00}. I reached out to customer service through the online site 's secure chat system about this issue and the representative informed me that the balance, which was XXXX 's interest, was valid and needed to be paid in order to bring the balance to zero. While I did not necessarily agree with the charge, I paid that in full. Now today ( XX/XX/XXXX ), I logged into my account yet again because it's normal practice for me to check my credit card online accounts frequently, and I discover yet again that I now have a balance of {$100.00}. I have not made any purchases or charged anything to this card in months. I reached out via telephone to customer service again today, and again, this representative tells me that the {$100.00} is a valid charge. She informed me that the {$100.00} balance was interest charged on the prior {$220.00} interest charge. How is that even possible? How does that make any sense? How could that possibly be legal? The rep stated that I should have paid the {$220.00} interest payment by XX/XX/XXXX - that making said payment on XX/XX/XXXX was the reason why I was charged interest on top of interest. According to the online account, this additional {$100.00} was also applied to my credit card account on XX/XX/XXXX. Not only was I charged interest on interest, but the percentage of interest I was charged was nearly 50 % which is not APR for my account. Additionally, interest is ONLY charged on " purchases '' not on interest. I expressed to the rep today that I disagreed with the charge, but she stood firm on her position that the {$100.00} was a valid charge.