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

My Capital One card I opened is a XXXX XXXX card, which promises 3 % back at Entertainment venues such as theme and amusement parks, bowling allies, movie theaters, etc. I specifically opened this card with the premise of going to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, in XXXX Florida. There all are attractions that should fit the perpetrators of the card to receive 3 % cash back. 

When I returned I found that {$300.00} in charges were incorrectly given 1 % cash back. 

I called and filed an escalation to get the reward points I rightfully earned. The meat of my concern comes in when today XX/XX/XXXX when I received a phone call from Capital One indicating we were on a recorded line. The representative was named XXXX his rep ID was XXXX at XXXX central time. He called to inform the of 2 things. 

First, they would not be able to instate the rewards I had earned as they felt 1 % was correct. Secondly, he indicated that he would issue me a {$6.00} statement credit. I asked for a confirmation number, email, letter, or something to assure me that promised credit was valid. He informed me that he could not do anything but give me his word that he would issue a {$6.00} credit. I asked him if I could record the phone call. He came back and stated that company policy prohibits recording of the phone call. I acknowledged this and asked him for his rep name and ID as stated above. He assured me that they typically do not honor requests of credits and that this was a one time courtesy. He said that the credit would appear on my account in 1-2 business days. 

I called back later this same day to make sure the memos were on the account as the recorded phone call went down, and the next supervisor was unable to corroborate what went down. I was livid. This was the entire reason I asked for proof. I felt something was off and that although on the recorded line he promised me a {$6.00} account credit, I felt he wasn't going to honor it. 

I asked the manager, XXXX rep ID XXXX, to pull the recorded phone call. She said that she could not pull the phone call and he could not honor the credits he had promised. Capital One refused to honor the credits agreed upon on a recorded line. Capital One refused to pull that call to verify the facts. The benefit of a recording is you don't have to believe either side, you have the recording of the facts. 

I want Capital One to pull the outbound phone call to me by XXXX. Here not only where he said they would not give me the rewards balance, but here where he said they would be issuing me a credit of {$6.00}. Here where he said it would be posted to my account. Here where I asked for any form of confirmation that it would be posted to my account.
Product: Money transfer, virtual currency, or money service

The scammer posed as a friend of mine though XXXX. Convinced me to do an investment to earn a big money return. I sent {$600.00} and I was told that with my investment I would receive a return of {$20000.00}. Before having my money released to me I needed to send {$1500.00} to pay the IRS a fee to get my money. After sending the {$1500.00} I was asked for my password as a security to release my money. Shortly after, my account was taken over and the scammer has gone into a domino effect to reach others. Through my email notifications from Wells Fargo and XXXX I was able to find a name, emails and phone numbers linked to this scammer. Name ( s ) : XXXX XXXX and/or XXXX XXXX XXXX XXXX : XXXX and/or XXXX Phone Numbers : ( XXXX ) XXXX and/or ( XXXX ) XXXX. Location reported near XXXX TX. I have reached out to my bank and they gave me a provisional credit and reversed it. Now I am negative in my account and they are not willing to help me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for Bank of America where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.
Product: Vehicle loan or lease

Subject : Dispute Regarding Payment Extension Agreement and Late Payment Notifications I am writing to provide details regarding an ongoing issue with Toyota Financial Services related to my vehicle loan. I purchased my car in XXXX of last year and have consistently made my monthly payments since then. However, due to financial difficulties, I contacted Toyota to request a payment extension for XXXX and XXXX of this year. 

XXXX approved my request, and on XX/XX/year>, I signed a payment extension agreement formalizing the arrangement for these two months. Despite this agreement, I have continued to receive late payment notifications for XXXX. I have contacted Toyota multiple times to address this issue, but they have refused to assist in any way or honor the terms of the payment extension agreement. 

Additionally, XXXX has claimed that I missed a payment in XXXX of last year. I believe this is an error on their part, as I am confident that all payments were made on time. I emphasized to Toyota that if I had indeed missed a payment, they would not have approved the payment extension agreement in the first place.

Since it has been over 30 days since I first raised this issue and I have not received any follow-up or resolution from Toyota, I believe they may be in breach of the agreement we signed. Their unwillingness to address the matter or uphold the terms of the agreement has caused significant stress and inconvenience. 

PS : I have made multiple attempts to resolve this issue with Toyota Financial Services. I faxed the payment extension agreement to them and also mailed a physical copy of the same document. Despite these efforts, I have not received any response or acknowledgment from Toyota.

Additionally, I have recorded phone calls with Toyota Financial Services representatives in which they admitted that their system made an error regarding the supposed missed payment in XXXX. I want to clarify that these recordings were made with the consent of the Toyota representatives, as required by law.

Despite their acknowledgment of the mistake and my repeated attempts to resolve this matter, Toyota has failed to take any corrective action or honor the payment extension agreement. This lack of response and resolution is unacceptable, and I am seeking a prompt and fair resolution to this issue. 

Thank you for your attention to this matter.
Product: Debt collection

I want to thank you for sending me billing statements per the FCRA billing statement are not debt validation anyone could or may have  forged statements in my previous complaint I specific asked your office for payment history from the time this account was open up until the account was report negatived as well as contracts with my signed signature attached but you failed to send me the information. I spoke with XXXX via the CFPB website they were unable to tell me who the debt was sold or placed nor transferred to. Also I would like a copy from your office of how much you paid for this debt the date that you purchased this debt. Such as a canceled check that you wrote to XXXX. I will be waiting on this information in the mean time I ask that you cease and desist until you provide me with the proper documents requested thank you
Product: Debt collection

Today, I received a notification that a new collection account has been placed on my XXXX  credit report. However, I never received an initial contact from the company, as required by 15 U.S.C. 809 ( a ).

In fact, this collection is one that I have previously disputed when it came from other companies ( XXXX for example ) and it has always been removed, as verification does not occur. The statements I receive do not match up with the claimed amount, either being under or over. The amount is constantly changing, and now is {$220.00} in this case.
Product: Credit card or prepaid card

On XX/XX/2018 I owned on my XXXX XXXX Credit card issued through Chase {$2200.00}. They received payment on XX/XX/2018 of {$100.00}. Leaving a balance of {$2100.00}. Additional charges came in at {$16.00}, {$3.00}, and {$14.00}. A statement was sent out for XX/XX/XXXX with the balance including interest at {$2200.00}. On XX/XX/2018 I paid off the entire balance by mailing in a bank check for {$2200.00}. The next payment date would have been on XX/XX/2018. I owed them nothing at that time. Yet, Chase states I owed tacked on interest of {$43.00}. I did not get a statement for XX/XX/2018 and as far as I was concerned was paid off and paid off. I made just two additional charges on my XXXX XXXX card. 

I went from owing them little to nothing to somehow now owing them over {$190.00}. I contacted the company and they refused to remove the {$43.00} accrued interest charge but did remove the late fee and just {$2.00} interest from the recent purchase. This is to me credit card fraud. 

On XX/XX/2018 I contacted Chase and ended up paying them off again and not only paying them off but automatic payment out of my checking account of {$150.00}. They told me they are again going to tack on interest charges even when I paid the entire balance off. Under their scenario even if you pay off the entire unpaid balance they still keep tacking on interest charges which makes no sense. Under that scenario a consumer will never get Chase paid off. They just keep tacking on interest charges and late charges. Chase phone number XXXX. My name is XXXX XXXX, Phone XXXX, address is XXXX XXXX XXXX, XXXX, SC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I wrote letters to XXXX, XXXX, and Transunion asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.
Product: Debt collection

cable i never had and they want me to pay for something i didnt do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXX, experian and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove their information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Checking or savings account

I filed a dispute in 2022 with XXXX XXXX. They reversed my credit and closed my account. I submitted several documents to them for a reconsider of my disputed charges. They had valid proof and evidence that I was not the one who made these charges and they denied my dispute. From XX/XX/2022 to XX/XX/2022 they did not reach back out to me or notify me. I had to call and once I did they said my evidence was not enough. I then submitted more evidence to them and they decided not to reopen my dispute after an agent told me to submit my new evidence and they will reopen my dispute. All of these conversations can be looked at in their system.
Product: Debt collection

I was involved in an accident XX/XX/XXXX. At the time of the accident my car note was paid in advance 2 and a half months. I also had gap coverage, through XXXX. The car was also paid off through my insurance company XXXX, XX/XX/XXXX. I have email confirmations from Flagship Credit Acceptance showing a XXXX balance due for the month of XXXX XXXX and XX/XX/XXXX. Then XX/XX/XXXX I received a statement showing $ XXXX due with the amount increasing in XXXX to over {$800.00}. Flagship Credit Acceptance Final act was to erroneously report $ XXXX due to the credit bureau 's which was not the case because XXXX had paid off the loan XX/XX/XXXX. I sent several emails to FCA regarding the gap coverage. I last made contact with XXXX credit acceptance Thursday XX/XX/XXXX when I was forced to pay {$220.00} so that I can show a XXXX balance to the mortgage company in order to meet loan program requirements. Flagship Credit Acceptance business practice has negatively impacted me in many ways I've asked them on numerous occasions to send me customer service notes and account history only to be disconnected from the call, request for documentation denied, canceled or ignored with refusal to connect me with management, call disconnected. The deceptive business practice of Flagship Credit Acceptance and false reporting to the credit bureas is a contribution to me having a higher interest rate on my next car loan and of course has negatively impacted my credit score. I received numerous calls harassing me for money not owed, only to be ignored and spoken to in loud aggressive tone by their employees, so aggressively, I asked the agent why she was upset when I was the one who was negatively impacted by their poor business practice. XXXX was the only employee who was cordial to me on the phone and prior to me making payment of the erroneous debt, at least made an attempt to explain me the erroneous debt as late fees and or interest and confirmed he saw nothing owed. 
Advising it's typically a late fee or interest due that Flagship Credit Acceptance is looking for. XXXX did offer to wave the fee but said it will take some time as he would need upper management approval which I don't have time for as I'm now in a crunch and must have proof of this erroneous debt ipaid off so I can move forward with my mortgage loan. I have emails back and forth with Flagship Credit Acceptance since XXXX. Your assistance in gaining resolution is greatly appreciated. For transparency I had a 30 day late. XXXX and XXXX of XXXX I then caught the loan up, paid in advance and paid extra on the loan each month and can also show higher monthly payment prior to the accident. This will be captured in my payment and accounting history once received, and according bank records
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 The XXXX, Experian and XXXX did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the XXXX, Experian and XXXX verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for XXXX, Experian and XXXX. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$4000.00}, {$23000.00}, {$28000.00}, {$2200.00}, {$4700.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. AXXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Equifax has failed to conduct a thorough investigation of the account in question, simply asserting its accuracy without providing sufficient evidence. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Equifaxs actions may also breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as outlined in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) regarding similar violations. I urge the CFPB to take action ensuring Equifax adheres to federal law and provides consumers with proper proof of investigation. 
These are accounts XXXX XXXX XXXX XXXX funding Absolute resolutions investments
Product: Credit card

Discover card is charging me for a mechanic that I gave the card to, he charged me approximately {$2500.00}. The next day the car broke down with the same issue the mechanic at the 1st shop told me there wasent anything else he could do. I asked for my money back he said no, I then went to a 2nd mechanic that said it was never fixed. I had to pay him another {$2000.00} the 2nd mechanic fixed it. Discover card told.ne I still have to pay the 1st mechanic and I keep trying to ask them why they would allow this type of treatment. They don't care, and the charge is still on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. I am requesting that all such accounts and inquiries be blocked and permanently deleted from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the accounts and inquiries I am requesting to be blocked and deleted : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. CB INDIGO XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Debt collection

This account should be deleted. Company never sent item and charged me for the amount of a product never received.
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 XXXX XXXX  on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX XXXX. I contacted XXXX XXXX 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: Checking or savings account

On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Santander Consumer USA ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Debt collection

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.