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

In XX/XX/XXXX I received a secured Mastercard through Capital One. On XX/XX/XXXX I called into Capital One to see if I could upgrade this secured account to a non-secured account. After receiving poor customer service, I made the determination to close my account. I asked the account manager what the balance due was in order to close the account and he said {$400.00}. Knowing I had a {$390.00} security deposit, and confirmed that could be applied to the balance, I made a {$1.00} payment to close the account. On XX/XX/XXXX I received a statement saying that I owe {$8.00} in interest that was not applied to my account until after it was closed. I called into customer service to report this as an error, and I was told that it was called " trailing '' interest that was not added to my account until after the statement cycle was over, even though my account was paid in full before this date. I asked to have this amount waived, and was told that it was not a possibility.
Product: Debt collection

On XX/XX/2018 a collection account was placed on my credit by Convergent outsourcing Corp staying that I owe {$1800.00}. This was not my account in which I should not be responsible for. Prior to the account being forwarded to Convergent, I also explained this information to sprint as well requesting that the account be removed from my credit
Product: Credit card

Adverse action against a consumer is illegal according to the Equal credit opportunity act which is codified in 15 usc 1691c. As a consumer, it is my right to be extended credit. I was denied an extension of my own credit by American Express. I reached out to American Express several times to resolve the issue and received no response. 
I also emailed investor relations regarding the application they received from me, making them aware of the mistake on XX/XX/year>. I was denied an extension of credit, my application reference number XXXX Im aware that my application was turned into a receivable and pooled together with other securities on the secondary market, which American Express made a profit from. Based on American Express recent XXXX filing and prospectus report with the SEC... the proceeds to purchase additional receivables from American Express National Bank or for its general company purposes, including repayment of loans by American Express National Bank to RFC III. AENB will be used for general corporate purposes, which ultimately makes me an investor. I'm requesting in good faith the immediate reconsideration of my credit card application ( open-ended ). If you choose not to abide, I'll be forced to contact the proper authorities ( SEC ) ( IRS ). I'm also requesting the return of my securities
Product: Credit reporting 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Transunion, XXXX and XXXX I would like for my late payments that you put on my credit report to be reversed to on time payments. As soon as possible.
Product: Debt collection

Received a letter from RMS that I owe {$4200.00}. I do not owe anything!!!
Product: Credit card

As a new Chase Sapphire Reserve card holder, I was drawn to the product in part due to the 10x points earning eligibility on Chase dining. As a first time user trying to take advantage of this offer, I read through all the disclaimers and fine print of the program, and I believed that in inputting my credit card to complete reservation at the restaurant I selected from the dining portal that I completed all the required actions. Unfortunately, when I did not see the points that I expected, I followed up with the Chase Sapphire Reserve team to explain my situation and was told conflicting information on the two ( 2 ) follow up calls I made about the program. On my first call, the agent assured me that I followed the program correctly and that I needed to wait as the program could take up to 2 billing cycles to credit. I had some reassurance when I heard this. However, after a month 's time and my continued monitoring of my bonus points, I never received the points I was missing for the reservation, so I called back a second time. Only on my second call did the representative rudely advise me that the program basically works properly and I didn't make an eligible purchase and I'm not owed any points. As I continued to plead my case and explain that the program was not clear and I am raising concern of misleading and false advertising of the program, I was able to escalate to a supervisor only to be told that I'm not eligible because I didn't actually pre-pay for my meal despite it being my first time to use the portal and I inputted my credit card. When I further explained that there was no option to pre-pay at the restaurant I selected, the agent insisted this was not an issue on their part, and that they would submit an internal review. Today, I received a notice from Chase advising that they believe I am owed any missing bonus points. This is where I disagree and have included screenshots of the process I followed, and that since this was also my first time attempting to use the program, that I feel misled as the restaurant does did not have a pre-pay option ( apparently inputting my credit card was not clear enough that this was different than pre-paying ). Furthermore, there are many threads on forums like XXXX that other customers have felt misled and advised that the program is unclear.
Product: Debt collection

I have attempted to get in contact with Credit Collection Services for a debt they claim is owed as a result of the XXXX XXXX XXXX company. I can not even dispute the debt 's validity because there is no contact information for Credit Collection Services. I want this removed from my credit report ASAP.
Product: Debt collection

I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.
Product: Mortgage

I am having trouble with making my payments with SPS, I had gone thru a financial hardship due to XXXX XXXX where I had lost income and suffered job loss during my time of being infected with XXXX. During this time, I kept communication with SPS where they placed me in a Forbearance program pushing my payments for several months. After my financial hardship was over and I was able to resume making my payments I applied for mortgage assistance and was later approved for a trial plan modification on XX/XX/XXXX. I received the trial plan modification documents and proceeded to make the payments on the account as instructed. My first trial payment was not due until XX/XX/XXXX I attempted to make the XXXX trial payment on XX/XX/XXXX thru XXXX XXXX ( Please see attached receipt of payment ) after I had made the payment, I called SPS to make sure the payment was received and applied. Well, after several weeks and after numerous calls trying to track the payment, they informed me the payment was not received even after I sent SPS the confirmation receipt thru XXXX XXXX. SPS informed me to try to send the payment to them again which I did and on XX/XX/XXXX I sent them another payment thru Wire using the payment instructions provided by SPS representatives. At this point I figured my account was fine after making XXXX payments thru certified funds. 

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : UT I then later received a letter stating they had closed out my Loan Modification due to Nonpayment even though I had made XXXX payments on the trial modification. Recently I applied again for assistance but within 3 days they denied my request and refused to remove the foreclosure date on my account set for XX/XX/XXXX. I feel this is in violation of XXXX XXXX Laws as stated on your CFPB site as well as a violation of my Homeowners XXXX of rights law set to protect me from lenders abusing and miss placing my payments and proceeding with foreclosure.
Product: Student loan

I have sent over 10 emails after my request to change my repayment plan was denied for re-evaluation in the next 13 months. I can't afford my payment and I don't understand where they are getting their numbers from. 

I have sent emails and waited on hold for over 3 hours weekly in an attempt to speak with someone and I can't get a reply. 

They told my my payment would be less than {$200.00} if I added a checking account to the auto pay plan and then they over-drafted my account $ XXXX when the first bill was due. 

I had to go through my bank to get the money back just to afford basic food and bills for the rest of the month. 

Very shady that I can not get in contact with anyone there. Not a reputable company and I will not be making a payment until someone corrects this. 

I will continue to email daily until they reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Equifax and XXXX  two letters giving written instructions on to remove/delete every account, inquiry, and addresses but everything still remains. Today, XX/XX/2021, I called Equifax and was told they would not remove anything and to send, the same stuff I mailed twice, in one more time and fax. Also, I sent in a FTC Report and they claim they didn't get that either. I reminded everyone Pursuant to 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, Consumer, a natural person, never gave EQUIFAX or XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Therefore, I want everything removed. They still would not do so but instead dispute. This is not a negotiate but a demand. I am enforcing my rights as a Federal protected Consumer. I want everything remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED visa credit account at XXXX XXXX XXXX  which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
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 confidentially under 15 USC 1681. 


XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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 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: Debt collection

On or around XXXX of 2019 a personal loan account was opened with Upgrade in my name, with my wife as a co-borrower. I never applied for this loan or received the proceeds of this loan. I completed and sent an identity theft affidavit to the creditor, as did my wife. We were told that a police report would need to be filed naming which named Upgrade, which we did. Them upon submitting, we were told we actually needed to submit two separate police reports ; one for each of us. So we went back to our local police station and did so. I have provided this company everything they have asked for and done so in a timely manner. Upgrade removed the charge off from my wifes consumer report, but it remains on mine. I have repeatedly contacted the company to inquire about the status and disposition of their internal investigation into my claim and every time Ive been given the runaround. Ive been asked to resend documents that I have a record of already having been sent. I have been told to call phone numbers that nobody picks up and in spite of all my efforts, which are above and beyond what is necessary, the company still reports a charged off account on my personal credit report. Ive attached the documentation thats been sent to them, both the identity theft affidavit and the police report.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX BAL {$6800.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$2800.00} XXXX XXXX  XXXX {$270.00}
Product: Credit card or prepaid card

Second time I have gotten a letter about opening up a credit card I didn't apply for. This one was opened XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX. It was denied, but now worried my identity XXXX have been compromised. What are the steps in this process? 

The ref. number on the letter is : XXXX ( Bank of America )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) & FCRA 605 ( b ) I am writing to formally notify you that I have been a victim of a data breach and identity theft, resulting in several fraudulent accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$450.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX. XXXX XXXX XXXX- Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} Fraudulent Inquiry : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ARE A RESULT TO IDENTITY THEFT I NEVER GAVE COMPANIES PERMISSIBLE PURPOSE TO PULL MY CONSUMER REPORT THESE INQUIRES NEED TO BE DELTED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

Wells Fargo repossessed my car when it wasnt late. It affected my credit and it took me years before I could get a car. And when I finally could needed a co-signer. This whole process had started a chain of events that has affected our family life and its been very tough to regain my financial footing after this. I am still very affected by the multiple repossessions from this one vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lots of hard inquires I don't recognize or authorized. I sent an updated Identity Theft Report and police report recently to Equifax for the fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all 3 credit bureaus ; Experian, XXXX, and XXXX, to do a verification of my credit report due to identity theft, and inaccuracies and they did, EACH BUREAU stated everything was accurate. I then did thorough research myself and i found improper inaccuracies all throughout my reports. I attached my credit report below with all EVERY ACCOUNT with the inaccuracies and the ones that are not mine. In accordance with the Fair Credit Reporting act converging ANY ACCOUNT violates my rights. 

15 U.S.C. 1681 section 602a. States that i have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. They can not furnish a account without my written instructions
Product: Credit card or prepaid card

Today ( XX/XX/XXXX ) received my monthly invoice for my Small Business Plus Blue Card from Amex. Included was an announcement of APR increase to 16.24 % effective XX/XX/XXXX from XXXX 11.24 % .This will affect Purchase after XX/XX/XXXX as well as prior balance of business before XX/XX/XXXX. Thus this prior balance under the prior 11.24 % will be hit with 16.24 %. Clearly a violation of the Card Act XXXX. Will provide the notification page this as an Attachment to this complaint. 

I immediately went to Amex on this issue, initially spoke with a rep who then transferred me on her supervisor. She took my notes and forwarded on with the company. At that time she confirmed that prior balances would be affected and asked her to include the Card Act within my notes. I asked if I could get a copy of the complaint notes and to whom they were sent and was advised I could not. As a loyal client for many years, was very disappointed with the treatment and experience.
Product: Vehicle loan or lease

Two years after I received a payoff quote, paid off the car, and completed my obligations to VW Credit, VW Credit will not release my title They claimed that my odometer statement was not done correctly. 
I re-sent the same odometer statement that I sent originally, with no alteration. 
They said I would get my title in 4 to 6 weeks.

Two months later and they hadn't sent the title. 
They claimed it was their vendor 's fault. 
I looked for VW Credit on consumer databases including this one, and found that they have withheld titles from many people after payoff. 
I looked for legal advice about getting my title back. 
I got a bizarre call at home in which a representative for VW Credit told me that I am obligated to tell them the name of any attorney that I speak with. 
I entered this complaint, along with a transcript of my interactions with VW Credit two years after payoff.
Product: Credit reporting or other personal consumer reports

The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible