23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied a CapitalOne QuickSilver credit card in XX/XX/2023 through CapitalOne 's own link on their website. ( See pictures attached below ). It says if I spend {$500.00} in the first XXXX months I will get {$200.00} bonus. However, I did spend more than {$500.00} in the first XXXX months but I did not get the bonus. I called CapitalOne card customer service and talked to a XXXX. But she said I got 1.5 % cash back on my purchase so I can not get the {$200.00}. 
What she said is not true. The attached page clearly shows it's not I can not get only XXXX of them and I should get both 1.5 % cash back and {$200.00} bonus. 
I searched online and found many people have exactly the same experience as mine. It looks like CapitalOne is doing this on purpose. They are using this improper advertising practice to attract people to become their card holders. 
My credit card ends with XXXX, which can be used to identify my account.
Product: Vehicle loan or lease

There are XXXX late payments on this account the account has since been paid in full and closed in good standing. The dates to those payments are, XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting 90 plus days late on the XXXX/XXXX account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Debt collection

I keep receiving multiple text messages on a wireless mobile hotspot what has an assigned telephone number from XXXX from an automobile lender. I have called them multiple times to tell them that I do not have a loan with them, have never had a loan with them, that the device they keep sending text messages to is not a phone, but a mobile hot spot ( MiFi ) and they are annoying me by sending delinquent notices to me when I am not their customer, and have never been their customer.

The company involved is American Credit Acceptance ( part of XXXX  XXXX XXXX )
Product: Checking or savings account

XX/XX/19. 

CITIBANK , N.A . 

Attention : DEBIT CARD BDU. 

XX/XX/XXXX XXXX XXXX XXXX, SD XXXX CASE : XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. CA XXXX XXXX XXXX ACCOUNT # XXXX On XX/XX/2019 my debit card for US {$400.00} was used WITHOUT MY AUTHORIZATION. 

Immediately start a dispute over the phone that never prospered. 

Then On XX/XX/19 send a written letter to activate the dispute ( attached copy of it ) I do not understand the reason, but initially they credited me a different value in my account US {$410.00}, and yesterday XX/XX/2019 they debited me this same value US {$410.00}. 

Today I called to claim for what happened and they told me that I should start another dispute for the correct value of US {$400.00}. 

I really do not understand why I should start the same dispute again. 

The truth is I'm not happy about what's happening because it's not fair that without my authorization I get paid for something I never use and the bank does not return my money. 

I have lost more than 3 hours on the phone with your bank and I still do not get an answer after 4 months, Again I tell what happened : I book at the XXXX XXXX XXXX XXXX   XXXX XXXX for the days XXXX and XXXX of XX/XX/XXXX2019. 

When I arrived at the Hotel I immediately realized that I was deceived. 

All the advertising and photos of the hotel on the internet were false and misleading. 

When I went up to the room, it was dirty, it smelled like too much cigarette, it had no heating, the only television that had not served and the toilet was disgusting of the dirty. 

The hotel did not have a beach as they advertised it and the elevator did not work. 

The site looked too insecure and I went to reception immediately and I said that I was going away because they had deceived me and that was not what I wanted for my family. 

I told them that they were scam and they told me that even if I did not stay at their hotel they would still charge the reservation for US {$400.00}. 

I did not authorize them to make the payment at any time. 

I went on the same nights of XX/XX/XXXX and XXXX to the XXXXXXXX XXXX XXXX, as you can see in the voucher attached. 

I can not accept being charged US {$400.00} for a room I never used because I was cheated. 

I hope your bank will respond and credit me with this value of US {$400.00}, since I have always been a good client. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/2XXXX XXXX XXXXDate of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my follow up complaint to the XXXX, Equifax and XXXX Credit Bureaus with the assistance of CFPB. I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. Once more the ACCOUNTS in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, Equifax and XXXX Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Product: Credit reporting or other personal consumer reports

Im making a statement I received a notification my equifax credit score has dropped XXXX due to an update on my XXXX XXXX account which shouldnt be in dispute I have not disputed my account with XXXX XXXX this is my actual bank account. This was done in error by equifax I repeat I have not dispute any accounts with XXXX XXXX. This account is in good standing why would I dispute it this was done in error by Equifax which is a violation of my consumer rights. I would like for this dispute to be closed, notify XXXX XXXX  right away this was done in error this has affected me XXXX XXXX emotionally and mentally.
Product: Credit reporting or other personal consumer reports

this account was charged off on the following date XX/XX/24 since then account has repeatedly been updated as charged off every month this is an update in the payment history a charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly and your neglect has violated my rights i am demanding a deletion of the following account XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself and Nissan Motor Acceptance Corp. is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around 2013 when my XXXX  was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated 15 USC 1681i ( a ) ( 7 ). Failure to complete reinvestigation request and response. This is in reference to CFPB complaint # XXXX but this is NOT a duplicate. Please see attached documentation as proof : Initial Investigation that was claimed " Verified '' Letter to Equifax Proof of received Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. I've filed a police report with the XXXX XXXX Sheriffs office ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. They wont remove the disputed account, but they acknowledge that my identity has been stolen by putting an identity theft alert on my file. I have followed all steps to get the credit bureau to remove these fraudulent account, but evidently they're slow and don't know that when a persons identity is stolen ; thieves steal a person 's identity and use it to open up accounts in that persons name, thus the information will be correct when you verify it with the company. 


The following hard inquires are false and are a direct result of identity theft : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 Can I get some assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Payday loan, title loan, or personal loan

approximately XX/XX/2023 I received a call from a XXXX XXXX, they used to be freedom plus loans, had an existing loan. The person on the phone asked if I wanted to roll my car loans into the loan. After a couple calls that day, I agreed I specifically asked if the interest rate would be better or at least the same. The person on the other end of the phone said would be about a percent lower than what I currently had. The current rate was about 17 % so the new loan shouldve been about 16 %. Which is a pretty high because my husband I have credit scores over XXXX. I was also never informed there would be an origination fee. I did receive the loan documents but because I was told the interest-rate would be lower and there was no mention of the origination fee. I signed the documents. 

Unfortunately, I didnt realize until one day passed the day you could stop the loan, that they charged me {$1800.00} origination fee, as I got to looking further not only did the person lie to me about the interest rate in lower. The interest rate is 20 % which is 3 % higher than what I had. I wouldve never agreed to these terms. 

I started calling XXXX XXXX in speaking with representatives on XX/XX/2023. The represent told me shell follow complaint for me and also asked that they listen to the call I had with their rep on XX/XX/2023 so they could see he never mentioned in the origination fee. The rep agreed to put that in the complaint. 

On XX/XX/2023 I believe I realized that the interest rate on my loan is not 16 % like the rep told me on XX/XX/2023. The interest rate is close to 21 %.. I called back XXXX XXXX that day spoke to a representative, explained that the rep called me on XX/XX/2023. Tell me the interest rate would be about a percent lower than what I currently had which at that time, My interest rate with 17 % They said they would update the complaint. I again asked for them to listen to the calls on XX/XX/2023. I was told it would be sent to a team leader supervisor. 

I think a couple days later I spoke to a supervisor who did confirm she listened to the call from XX/XX/2023 she confirmed that that rep did not tell me about an origination fee and did state my interest rate would be about a percent lower than what I currently had and at that time my interest rate was 17 %. 

She agreed to let her supervisors know Ive had multiple contacts with her since, I sincerely feel she has tried her best to get upper management to look at this case. But as of XX/XX/2023 no resolution my interest rate is still 20 % which is ridiculous. 

She agreed that it is not appropriate for the representative to not have told me about the origination fee, and he gave me incorrect information about the interest rate. Phone number : XXXX
Product: Credit card or prepaid card

I have credit card with Bank of America and on XX/XX/XXXX when I went to near by store someone stole it. I did not notice it on that day, but on XX/XX/2022 I got notification on my text about some huge transactions made on card. I reported same to BOFA and asked them to cancel transaction and block the card. 
Later I submitted a dispute request on the transactions & BOFA came back saying it was authorized by me so I NEED to pay it. I am not sure how did they make that determination and I am still now trying to reach out to them to speak to someone 4 DAYS, 2 hours of hold time and no one is responding from BOFA Credit card fraud disputes team. 
Its pathetic to see nation 's largest bank have such a pathetic, XXXX customer service where customer have to wait for 2 hours and still can't speak to anyone. This is happening for 4 days in row now and no one in BOFA seems to worry or care about it. This is bad and their license should be cancelled to save customer. 

Now I started to think who is bigger thief or fraud, the guy who stole my card or BOFA who is not giving me service and resolving the issue
Product: Vehicle loan or lease

I bought a BMW XXXX XXXX VIN # XXXX from XXXX XXXX BMW in XXXX XXXX NJ XXXX I purchased the vehicle on XX/XX/XXXX and now it's XX/XX/XXXX and still have no got no plates on my car due to title issues. I suspect that the car title was not cleared prior to being sold to me, therefore the delays and I don't seem to get any specific answers from them as of why this is happening so I decided to file a complaint and see if I can get this solved.
Product: Prepaid card

I was hacked around the time of these charges. I've gotten 5 different charges in a 5 day time from a company called XXXX. The first one was on XX/XX/2024 for {$20.00}. And then an {$100.00} and {$86.00} on XX/XX/2024 and then {$400.00} and {$200.00} on XX/XX/2024. On XX/XX/2024 I was credited back the {$86.00}, {$20.00}, and {$100.00}. They won't credit me back for the {$400.00} and the {$200.00}.
Product: Money transfer, virtual currency, or money service

Im reaching out to formally express my concern regarding zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I filed for bankruptcy in 2015 and all debts forgive. However the company holding my student loan has refused to forgive any loans and keep charging interest on those loans. I have been unable to pay any portion of the loans meanwhile they just keep accruing interest.
Product: Checking or savings account

On XX/XX/XXXX, a bank transfer came into my checking account from XXXX XXXX from a company called XXXX XXXXXXXX XXXX  XXXX. Bank of America cleared the transfer in the amount of XXXX without contacting me as being unusual activity in my account. On XX/XX/XXXX ( 26 days later ) XXXXXXXX XXXX came and took the money back as an unauthorized transfer. Bank of America froze my bank account with my Social Security XXXX XXXX being in process. I went to the Bank of America and my debit card was confiscated, and I wasn't allowed to have my XXXX check in the amount of {$920.00}. The fraud department wouldn't talk to me, and didn't return my calls. Another department told me it would be 90 days of an investigation to resolve this. On the XXXX th day, I received a phone call from a detective who asked me questions I answered to the best of my ability. I was receiving letters and statements for a few months until Bank of America closed my checking account, and said they would be mailing me a cashier 's check in the amount of {$920.00}. I never received the check, called and asked what address they sent it to, I was told only that it was mailed out on XX/XX/XXXX, and I would have to wait until it expired to get another one sent. In XXXX on the day it expired, I entered the Bank of America Branch in XXXX Florida and sat down with XXXX XXXX, the bank manager as she looked at the papers and letters I had, she called the number for that department, they said they could mail it to her Branch where I could pick it up. Then they put her on hold for over XXXX minutes, transfered get to someone else who told her they sent it back to the Social Security Administration. I called and was told it wasn't returned to XXXX. So I went into another branch in XXXX XXXX, where I heard a conversation on the phone with another bank manager, who was saying " I don't understand what you're trying to get me to tell her. '' Three times she said that to whoever she was talking to. She got off the phone and handed me a phone number and told me I had to file an appeal on his claim. I was never contacted about any claim, nor given a claim number. Bank of America had to pay XXXX the money from that transfer. They lied to me several times about sending me my check. I called the number they gave me, and was told they had no idea what I was talking about.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX, XXXX XXXX Balance {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00}
Product: Credit reporting or other personal consumer reports

according to Engelhardt v Graves ( mo ) 281 SW 715,719,1 which says presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have not supplied proof under estoppel and therefore no such debt exist. in Fact this company is now in violation of 15 u.s. code 1681n ( civil liability for willful noncompliance ) as i have sustained damages in the amount of XXXX XXXX this only shows up on one credit report and NOT for XXXX and XXXX do there is a discrepancy