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

I have a very high interest Capital One Card that also charges a membership fee. A few times I've tried to get the interest rate lowered and membership fee dropped ( my credit score is usually in the high 600 's - 700 range ), but was was told I'd have to apply for another Capital One card to receive more favorable terms. 

So, finally about a month or so back I decided to apply for another Capital One card that had 0 % XXXXnterest for a year and no membership fee, and I was approved. 

A bit after receiving the new card in the mail, I called Capital One to activate the card. At that time I told the Capital One Rep that I had gotten this card for the sole purpose of transferring the balance from the high interest Capital One Quicksilver card to the new 0 % interest Capital One Savor card. The Rep said she could take care of that, and would you like to do that today? I said no, that I had to get back to work, but I'd call back soon to take care of it. 

Yesterday on XX/XX/2019, I called Capital One to do just that, but this Rep told me I couldn't and that I was given the wrong information from the previous Rep. I said, something needed to be done since I was given false information. And to add insult to injury, I used the higher rate card on an expensive car repair and other purchases and would have used the Capital Savor Card with 0 % interest had I know this information. I was then told that nothing could be done, but that my interest rate on the Capital One Quicksilver card could be lowered from 21.5 % to 17.15 % LOL ( I just looked on the Capital One ap today and it's still at 21.5 % btw ). 

1. The way that Capital One operates, by forcing a consumer to apply for an additional card to receive a lower interest rate and no membership fee is predatory and penalizes the borrower by lowering their credit score and forcing them to increase their amount of available credit. 

2. To make matters worse, the company does not honor promises made by their own employees, which takes their predatory nature to an even higher level.
Product: Consumer Loan

GM Financial has me in the highest interest rate car loan imaginable. 
I know my credit was n't the best when I got the car, but I feel that it is unfair Because I can not refinance my car because of its value and depreciation is less than what I owe GM Financial. A {$15000.00} car is gon na cost me almost {$30000.00} when I 'm done. Not to mention they would n't give me XXXX coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried contacting Experian to correct severe errors in reporting. I sent them a letter on XX/XX/XXXX and they sent me an email to me on XX/XX/XXXX with a very generic and computer generated response stating that the dispute " does not appear to have been sent directly by me or to authorized by me. I replied to them on XX/XX/XXXX re-confirming my identity as well as requesting a re-investigation of my existing dispute request that has not yet been resolved. 

This is now my fourth attempt at correcting the inaccuracies on my credit report that are causing damage to my credit profile and impeding me from being able to get new credit which is also affecting my personal life. 

Experian is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and I am practicing my rights as a consumer via the Fair Credit Reporting Act that states that all information reported on my credit report must be 100 % accurate otherwise it needs to be removed.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$130000.00}
Product: Debt collection

I am writing to dispute certain accounts on my credit report that I believe are a result of fraudulent activity. I kindly request a thorough investigation into these accounts and their prompt removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Attached, please find identity theft reports that clearly indicate the fraudulent nature of these accounts. I request written confirmation of the investigation results and the removal of these fraudulent accounts within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 signed up for free 7 day trail, On XX/XX/2023. I tried to cancel which the web site does not allow. Called XXXX XXXX XXXX, 6 times, pressing prompts etc. no response, no live person and the phone hangs up six times. Completed contact form three times expressing I want to cancel, no response. The seven days end today, I can't cancel so I'm forced to pay the monthly fee. This is deceptive practice and I have no desire to pay for annual credit reports monthly.
Product: Credit card or prepaid card

Amazon has refunded several items to gift cards even though I requested that the refunds goto my store card. I was told that this could not be fixed and its a glitch in the system. Why does Amazon have no control over the Amazon store card?

Also, I returned another item today that was missing the item/it came as an empty box. 
It was bought with one of the " gift cards '' from a prior return, they again refused to refund the amount to my Store card. 
What game is Amazon playing? This forces you to buy again from Amazon. 
My intention is to buy very little from them as its often a disaster for a variety of reasons. 
I am very upset that the credits did not go back to my Store card as requested when I returned items. 
You have the option for your credit to go back to the original payment method, that did not happen. 
Its not my problem that Amazon has a glitch.

Also, I am paying interest on prior purchases as the gift card does not pay for interest.

Not okay! And no compensation was offered.

We will pay these items off and goodbye Amazon. We stopped using them for a while, it was a mistake to go back. Its worse than before, and customer service is not kind. 
Half the time I can not understand what they are saying. They need to hire people who speak clear english.
Product: Credit reporting or other personal consumer reports

Capital One is reporting this account late and not providing me with documentation to support this false claim. Under the FCRA, they are required to provide supporting documentation otherwise they must delete these inaccurate late payments.
Product: Credit reporting or other personal consumer reports

I have had a credit card open with XXXX  XXXX XXXX for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XXXX 2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my credit score go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX XXXX hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I review my XXXX credit report # XXXX to discover that a Bankruptcy account # XXXX appear out of nowhere dropping my credit score from XXXX to XXXX. I immediately contacted the U S Bankruptcy court clerk and was told by her that the court does not report the record to the credit bureaus and that the Bankruptcy was closed not " dismissed '' as being reported ; the clerk also stated that I may wish to contact LexisNexis to dispute any errors.
Product: Credit reporting

My wife and I recently sent the attached follow-up letter to Experian. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Product: Debt collection

XXXX Collection agency ( Dynamic Recovery Solutions ) has called me while I was at work, on my work phone, which I understand is a violation of the FDCRA. This is very inconvenient and inappropriate, and my employer does not allow such personal calls. They are attempting to collect on a debt that has passed the statute of limitations in both my state and the state that I previously lived in. They are falsely claiming that I made a payment in 2010 in order to re-age my account, which I understand is also a violation. There have been no payments on this account ; enough time has passed to allow this account to drop off my credit report. It is not currently being reported on my credit reports to my knowledge, but I fear that they will.
Product: Credit card or prepaid card

XXXX XXXX XXXX I made a {$4.00} gum purchase to see if the Avant credit card was opened. I paid {$5.00} the same day to pay back through ACH from my bank online setting up the Avant payment. 
XX/XX/2020 it showed my payment on my Avant credit card. 
I called Avant credit card on XXXX XXXX and asked why hasnt the {$5.00} credit been applied to my card as I set everything up and it cleared my bank already so with them showing me a XXXX cent credit it still had my available balance as if I still owed {$4.00}? 
I called and asked about why it wasnt updated the representative explained to me it takes 11 days to post payments to my account? I explained 11 days for a {$5.00} payment that already cleared my account? 
I said close this account because Ive never heard of an ACH payment taking that long to credit back a credit card. They closed my card and stated if there is an annual fee it will be reversed because the card is now closed. 
The next day I get a email showing me now owing {$38.00} and its showing on my credit report? 
I closed this card I didnt have it open for 7 days at all and this company is not practicing proper credit card guidelines. 
I spoke with an attorney that referee me to file this dispute online.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX and Id like to file a complaint against Equifax for violating section 611 Of the FCRA. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received any changes from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation and below are the account that are in questions. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$860.00}
Product: Mortgage

I was notified by US Bank that I had a shortage in my escrow. I followed all links and instructions to see the amount and make a payment. The amount is not given anywhere online in my account and I could not obtain any help from the company.
Product: Debt collection

Got a letter in the mail about a deber I dont know about or have enough information about it
Product: Credit reporting or other personal consumer reports

there accounts are erroneous and inaccurate these frivolous accounts are not mines and needs to be removed asap
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against TRANSUNION for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : TRANSUNION has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions. 

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, TRANSUNION is in blatant breach of this statutory protection. 

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement. 

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, TRANSUNION has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates. 

The inaccurate and unfounded reporting of bankruptcy by TRANSUNION is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

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

My previous complaint number was XXXX ( with current servicer XXXX XXXX ).  however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX  and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOOK OUT A NO INTEREST LOAN AT THE DENTIST OFFICE FOR $ XXXXTOLD IT WAS NO INTEREST LOAN. PAYMENTS MADE MONTHLY RECIEVED NO PAYMENT BOOK PAYMENTS NEVER LATE.AFTER ONE YEAR BALANCE WAS XXXX.THEN TODAY I RECIEVED NEW STATMENT SAID MY NEW BALANCE WAS {$4700.00}, {$1300.00} IN INTEREST WAS NOW OWED.I WAS NOW INFORMED IT WAS A DEFERRED LOAN, SOMETHING I WAS NEVER INFORMED OF .CALLED COMPANY AND SAID THEY WERE DECEPTIVE AS WAS THE DENTIST. .INFORMED ME THE LOAN WAS TO THE DENTIST NOT THEM YET ALL PAYMENTS WERE MADE TO THEM.I SAID I WOULD PAY THE FULL BALANCE I OWED MINUS THE INTEREST.THEY SAID YES BUT REFUSED ANY VERIFICATIN BEFORE THEY GOT THE BALANCE.BECAUSE IWAS LIED TO IN THE BEGINNING IREFUSED TO SEND MONEY TILL I GOT A VARIFICATON FIRST THEY REFUSED.SO HERE I AM THE COMPAN WAS CARE CREDIT OWED BY SYNCHRONY.PS CARE CREDIT WAS SUED BY C.F.P.B.FOR SIMILAR REPRESENTATION WITH A # XXXX ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX {$1000.00} XXXX {$5200.00} XXXX   {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

On XX/XX/2020 I ordered a desk for work and a chair with matching dresser from XXXX XXXX. Order Number : XXXX. See attached original order. I have yet to received these items as they have changed to date available over 10 times and only after I have reached out are they updating me on this. But my main issue is I am being charged, WITH interest, on their credit card for these items yet to be received. See attached credit statement.
Product: Debt collection

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XX/XX/XXXX Account # XXXX ..... 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) {$120.00} XX/XX/XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) {$190.00} XX/XX/XXXX Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XX/XX/XXXX Account # XXXX US DEPT ED {$27000.00} XX/XX/XXXX Account # XXXX according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian letters dated XX/XX/XXXX and XX/XX/2018 asking them to remove Regular inquiries no authorized by me and Public Records not verified by the Bankruptcy court. I spoke with a representative from Experian on XXXX-XXXX-2018 that stated that my letters were not valid.