23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Capital One Venture One credit card on XX/XX/year>, based on a promotional offer that promised XXXX reward points upon spending {$500.00} within the first three months of opening the account. I fulfilled all the stated conditions of this promotion by spending over {$500.00} within the required time frame. However, Capital One has failed to provide the promised XXXX points. 

When I contacted Capital One about this issue, they claimed that no such promotional condition existed at the time I opened the account. I find this response unacceptable, as the promotional offer was a key reason I chose this credit card. I believe I have been misled and unfairly denied the benefits promised to me as part of this promotion.
Product: Money transfer, virtual currency, or money service

I am writing this to express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues regarding the platform. I have used Zelle numerous of times.
Product: Credit card

XXXX partner and affiliate of XXXX XXXX sold a product with a false description. Theyhad claimed that their mining product " Hashlets '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even their websites XXXX and XXXX no longer exists. 

Furthermore it is public knowledge that the XXXX Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the XXXX Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the XXXX Government and the charges he now faces. 

Over the course of the past 4 months I have attempted XXXX to dispute this transaction with USAA, XXXX times being declined because it was not submitted within their 60 days of the transaction date. I also bank with XXXX XXXX XXXX and they have the same 60 day policy however since the case was about fraud and the fact that the SEC was involved, they initiated the dispute and I was returned my {$26000.00}.
Product: Credit reporting or other personal consumer reports

Equifax data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with Equifax breach. XXXX. XXXX XXXX, account # XXXX paid or Fraudulent account # XXXX, XXXX XXXX XXXX XXXX, Closed/Never late or Delete XXXX. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete Account # XXXX -- - Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete XXXX. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete XXXX. XXXX XXXX XXXXXXXX account # XXXX - Paid, Closed/Never late or Delete XXXX. XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), XXXX XXXX XXXX ) I will be filing a lawsuit. 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard 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. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, XXXX and Equifax violations of Fair Credit Reporting Act ( CFRA ).
Product: Vehicle loan or lease

i was not able to make payments due to some fraud activity on my XXXX XXXX, i recently got a new bank and when i was about to give a payment they said the account was closed...
Product: Mortgage

We have both an original & second mortgage with XXXX XXXX. Originally started XX/XX/XXXX for $ XXXX. The 2nd mortgage was placed XX/XX/XXXX bringing total to $ XXXX. It appears that the 2nd was sold several times by XXXX although we see no documents supporting this, and they may indeed still own the mortgage. We see up to 4 different collecting agencies throughout, the most recent of which appears to be BSI Financial Services. We were on a payment plan with principal only starting about XX/XX/XXXX ; the 2nd mortgage balance was {$42000.00}. The payments made has reduced the principal to {$41000.00}. On or about 8-10 months ago they demanded payment in full, which I told them I couldn't pay. They then added unknown charges, some of which we think is unpaid interest, My current balance is {$41000.00} for the principal, plus interest and " Total Fees and Other Charges '' of {$32000.00} but they are saying I owe a total of {$73000.00}. We have asked for disclosure of these {$32000.00} charges but have not received any information. Additionally, we think the 2nd mortgage may have been included in a payoff under the bank bailout programs XX/XX/XXXX-XX/XX/XXXX. We believe these new collecting agencies are double dipping on the 2nd mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

I took a payday loan from Brigit. They charge {$9.00} a month for membership. I sent an email over a year ago asking them to stop taking ( or attempting to ) those fees from my account. They will not allow me to cancel the membership without the loan being paid back. My loan was XXXX years ago. They overdraft my bank account doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I purchased a XXXX XXXX hybrid. Every payment was made on time never any issues. However on XX/XX/XXXX the car was totaled. The insurance company paid the remainder balance. The insurance company took long than expected and since I am still liable for the loan the late payment was reported to the 3 credit bureaus. I spoke with Honda financial and they said there was nothing they could do.
Product: Credit card or prepaid card

Was given your link from XXXX XXXX XXXX. They tried to help me but XXXX continues to indicate they issued the credit and never received the credit back from Chase Bank. 
I writing to you in hope of getting some action to the recovery of my money in the amount of {$1300.00}. My name is XXXX XXXX and I have been working on trying to receive funds back related to an item purchased from XXXX on XX/XX/XXXX at XXXX. I have been working with XXXX since XXXX indicated I would need to work with them to pursue my credit refund even though I never used XXXX. 

Below are the events that occurred : 1. On XX/XX/XXXX at XXXXXXXX XXXX ET, I placed an order with XXXX order number XXXX # XXXX in the amount of {$1300.00}. 

XXXX. The charge was made using my Chase credit card ending in XXXX on XX/XX/XXXX with reference XXXX XXXX OH 3. After almost a year and constant follow-up to check on status of order for merchandise not received, I cancelled order and XXXX issued a credit memo XX/XX/XXXXXXXX XXXX # XXXX in the amount of {$1300.00}. 

XXXX. XXXX transaction dated XX/XX/XXXX at XXXX XXXXXXXX XXXX EST transaction ID reference number XXXX credit back to Chase Bank credit card ending in XXXX. 

XXXX. I had requested a check since the credit card had been cancelled. Chase Bank issued a credit back to merchant XXXX XXXX XXXX transaction reference XXXX on XX/XX/XXXX because they had purged my account. 

According to XXXX since I didnt purchase the product using a XXXX account there is no credit that would have gone into my account. Instead, the credit would have gone back into the account of XXXX merchant account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting a collection/chargeoff in the amount of {$7900.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. XXXX  and XXXX  are reporting correctly. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent.

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.
Product: Student loan

Mohela is committing fraud on my loans while they are in administrative forbearance. The loans are in forbearance due to the XXXX administration 's XXXX plan being challenged in the courts. The loans were placed in forbearance in XXXX 2024. I received documentation from Mohela stating " no interest would accrue '' during the forbearance period on XX/XX/year>. Yesterday, on XX/XX/year>, I received a notification stating interest WAS accruing and noticed hundreds and hundreds of dollars in interest added to my loans. I contacted Mohela and they were unresponsive. I am requesting that the illegal interest charges be removed from my loans.
Product: Money transfer, virtual currency, or money service

I ordered XXXX debit cards for my kids to learn how to manage money. It worked up until today. I received a notice that XXXX is having difficulty transferring money from PNC Bank because they made a change that rendered the link useless. As of right now, I can't transfer money to my kids accounts and am frustrated that PNC would dictate where I can transfer my money.
Product: Checking or savings account

On XXXX I set up a checking account at Citi online. I received notification that my card would be sent soon ; I forgot about my card until I tried to access my account to transfer money over to my other bank account on XX/XX/XXXX. As I lost my debit card, I tried to request a new one on the Citi website. It would not let me request a new card without the XXXX digit pin from the lost card. With a few attempts to guess the pin, it locked me out of my online portal banking account. I called customer service and tried to reset my account and get sent a new debit card, but I was not able to access my account because I did not have my account number that was only stored on my online banking account statements which I had access to before it was locked out. There was no other way besides a security word and I did not have that. 

The next day, XX/XX/XXXX, I found my debit card and pin and called customer service so I can reset my account but met up with the same resolution that they needed my account number or my XXXX word security phrase to access my account. Even with my last XXXX social security and my debit card and pin they sent me, there was no other way to verify my identity other than going in person ( which is not viable ) or send it through mail. This was a horrible experience as a customer as I can not access my account.. I had my user ID, password, social security number, debit card and pin, and possibly any other way to verify my identity ( drivers license, passport, passport card, etc ) but the only way that Citi would ever let me in my account is through the means of something I don't have or as XXXX of their customer service representatives mentioned, to send my social security number through mail to Citi.
Product: Credit reporting

For the past 8 years I have always paid my XXXX XXXX mortgage on time and on the same date via their phone system. Recently I found that when I went to pay that my previous month 's payment was coming up late. I knew this could not be the case because I had a confirmation number and I also saw a {$15.00} phone transaction fee deducted from my account from XXXX XXXX the same day. Feeling confident that it must have been a bank error I called them and immediately paid both months. While on the phone I was also informed that they had reported me as late to the credit bureau! I could not believe it. Still I assumed that they would just fix it. Afterall, I was given a completed transaction confirmation number from them and they charged me the phone transaction fee on the due date so it was clear that I used their system so obviously I thought I had paid. In addition, I need to note that neither my co mortgagee nor myself ever received an email or voicemail alerting us that we were late on our payment. The bank claims that their telemarketers did leave a message. Absolutely they did not. If they had of course we would have responded asap as it was in our best interest to do so! I also have proof of funds for that week from my bank as I wanted to show them that I had the money in the account so they could see I could pay at that time. Ultimately after XXXX rounds of disputing this including contacting the President 's office to try to get XXXX XXXX to do the right thing they will not. Their final stance is that I apparently entered a XXXX when it should have been a XXXX when entering my bank account number in their phone system and because of this it is my fault and they will not do anything to help me. I have not seen their proof and believe that this could just as easily had been an error on their part. Even if it was a human error on the part of the customer, they have my 8 year payment history always on time, on the same day every month. They have proof that I did the same that month on that date as their system gave me a confirmation number! If I have a confirmation number and no one notifies me that there is a problem, how can I fix it? When I did go into my account later in the month and saw the late notification I called and paid on the spot. The end result for me and my co mortagee is that it has dropped my credit rating XXXX points from good to fair. This has enormous negative ramifications for me/us as we need to refinance the house this year and now do not know if we can and if so it will cost us more and the interest rates will be higher. None of this makes logical sense. Why should a loyal customer who has paid on time for 8 years and has paid out hundreds of thousands of dollars to XXXX XXXX XXXX Mortgage be left flapping in the wind like this for possibly, accidently entering a XXXX instead of a XXXX in the phone system while trying to pay my mortgage on time?! It is just insane. Can someone please help us?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account balances with XXXX were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing XXXX accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 602 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

XXXXXXXX XXXX  has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. Experian is not looking at documents or disputed reasons. They just send a computer message and accept the response. XXXX also allows them to rubber stamp false inaccurate data on my credit report.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

XXXX XXXX thru XXXX XXXX XXXX XXXX Fraud not refunded Email from XXXX verifying fraud sent to bank ATM blocked Drive thru blocked from me Closed my account access No phone or lobby access XXXX in account I have no access
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies and violations of my federally protected consumer rights under 15 U.S.C. 1681. The following accounts have violated my rights to privacy and confidentiality and must be deleted from my credit report : XXXX  XXXX XXXX Revolving Account # XXXX XXXX XXXX XXXX Revolving Account # XXXX Additionally, I am addressing specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These include : Failure by the creditors to accurately reflect payments I made or properly credit my accounts. 
Computational or accounting errors made by the creditors. 
Furthermore, the creditors failed to provide me with billing statements at least 21 days prior to the payment due dates, invalidating any claims of late payment under the law. I request concrete evidence from the creditors ' bank records to verify their claims of non-payment. The designation of " late payment '' appears to be the result of invoicing errors. 

XXXX has also failed to properly investigate disputes, remove inaccuracies, and prevent the reinsertion of errors, violating 15 U.S.C. 1681i. These actions further breach my rights under 15 U.S.C. 1681n and 1681o, concerning willful and negligent noncompliance with consumer reporting obligations. 

I respectfully request that : The late payments for the following accounts be updated to " paid as agreed '' : Discover Revolving Account # XXXX XXXX Auto Revolving Account # XXXX The following accounts be deleted from my credit report : XXXX  XXXX XXXX Revolving Account XXXX XXXX XXXX  XXXX XXXX Revolving Account # XXXX I urge you to take immediate action to correct these inaccuracies and ensure compliance with federal law.
Product: Debt collection

I have received repeated phone calls from Credit Corp Solutions from various phone numbers, including : XXXX XXXX XXXX All claim to be contacting me about debt I owe. I owe NO debts or outstanding bills and never have -- my credit reports all confirm this. I have repeatedly told these callers this is the case and to immediately stop contacting me. They have not.
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 protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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: Debt collection

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with Discover and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was Disputing a discover account on my credit report because it is not mine and I did not open it. Discover has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. Discover sent these letters on XX/XX/XXXX and XX/XX/XXXX. I have since started a second investigation with Discover and the 3 credit bureaus. I advised Discover that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which Discover does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed Discover and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised Discover and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature it should be removed. However, they continue to end the investigation in Discover 's favor, even though they have not validated the debt with documentation bearing my signature.