23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is a case where XXXX XXXX and UAS are trying to profit from a contract that the legality of it is being challenge in court, at this moment it is working its way through the court system. On XXXX XXXX, 2023 I received an e-mail from XXXXXXXX XXXX  that my loan was being transfered to UAS, Universal Accounting Service XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. I have made several calls to XXXX XXXX, the first lender asking about the interest free clause in the contract, the balance of the loan and the XXXX XXXXXXXX XXXX payment due. I was told the interest free clause would remain in effect, the loan balance was XXXX XXXX and XXXX dollars and XXXX XXXX cents. However on the payment that was due on XXXX, XXXX XXXXXXXX XXXX told me if I made that payment to XXXX XXXX and by the time they process the payment and sent it to UAS it would be late and I would accumulate a late fee, they told me to call them and ask about the payment and if the due date would remain the same. I called Universal Accounting Service several time but they never answered the phone and after several rings the call would disconnect. On XXXX XXXX XXXX  I called UAS and a representative named XXXX answered and informed me that they had no information on the account. On XXXX XXXX, XXXX  I was finally able to get information on the account and to my surprise my balance was {$18000.00} with a payment of {$880.00}. The first lender claims that they only transferred {$16000.00} to Universal Accounting Service. Universal Accounting Service claim that the transfer was actually {$18000.00}. I have been unable to resolve this matter with UAS and it is useless to continue discussing this matter with them.
Product: Credit card

Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership. 
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16. 
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries on XXXX and Transunion credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has multiple hard inquiries
Product: Debt collection

Request for a letter of validation, I sent in a police report, and contacted the original creditor as well and they couldnt give me information on the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently looked at my credit report It has come to my attention that ( LVNV FUNDING LLC, and XXXX XXXX XXXX XXXX ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, 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. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Product: Checking or savings account

I notified my chime bank that I got a notification of XXXX charges made on my card however at the time the person I spoke to said that they can not do anything until the transaction goes through which is going to take 3 days after the transaction went through I called back they said they now needed to do and investigation and i would have to wait another week for them to complete it I received an email saying that they had concluded the investigation and found no fraudulent charges have been made I called chime Bank back and was told by an agent and person who claim to be a XXXX the I would have to wait 10 more days for them to send me an email that would have all their findings in it I asked to speak to the claims department and they told me I couldn't because they don't answer calls but when I was directing my questions towards the XXXX he was not able to answer one question the only thing he told me I would have all my answers in the email however upon reviewing the email it states nothing other than them saying I had transferred money at the time of the purchase meaning I was anticipating the transaction however this was completely inaccurate my overdraft feature was active and at the time there was not enough money on my account so when the purchase was made my overdraft feature activated causing my account to go into the negative but also allowing the transaction to go through upon reviewing my statements from that day I only transfered {$10.00} that day but the charges that were made was almost {$100.00} I don't know what's going on with chime bank but it's obvious chime bank refuses to accept that they are wrong didn't do their job and correct it
Product: Credit card or prepaid card

There were fraudulent charges on my account for three months. I disputed the fraudulent charges and the charges were removed three months later. I have requested in writing to this company that I get refunded interest charges for the months when I had fraudulent charges on my account. The company responded to my letter on XX/XX/2020 via email to me however they ignored my request.
Product: Checking or savings account

BBAV compass is chargin XXXX dls to cash every single check that totaling XXXX dls or more, I did a complain and they call me and tell me that if I do n't wan na be charge, then I have to open an account, is that even legal? The person whom told me that is XXXX XXXX Retailing executive at XXXX XXXX, a ) is n't illegall to retain money from a payroll check? B ) they do n't have a legal receipt for that fee, they charging and do n't have a proof of that c ) they want you to open an account to avoid that fee. And also told me that every single bank is doing the same
Product: Credit card

CFPB Complaint Letter ( Optimized Version ) Complaint Target : American Express Complaint Type : Credit Card Signup Bonus Not Fulfilled Dear Consumer Financial Protection Bureau ( CFPB ), I applied for the American Express Platinum Card through the official American Express website in early XX/XX/XXXX, where it was clearly stated that if I spent {$20000.00} within 3 months, I would receive XXXX Amex Membership Rewards points as a signup bonus. 

After receiving the card, I successfully spent over {$20000.00} between XX/XX/XXXX, and XX/XX/XXXX, fully meeting American Express 's criteria for the signup bonus. 

When activating the card, I contacted American Express customer service multiple times ( at least two to three times ) to confirm whether my account qualified for the XXXXpoint bonus. Customer service consistently assured me that my account met the requirements, and the bonus would be issued once I reached the spending threshold. However, after meeting the spending requirement, I did not receive the bonus points. 

I subsequently contacted American Express customer service again, but they failed to provide a reasonable explanation or issue the promised bonus points. This failure to honor their commitment is in direct violation of their promotional statements and constitutes misleading behavior that has harmed my legal rights. 

Requested Resolution : I request that American Express immediately issue the XXXX Membership Rewards points, as I have fully met the conditions for the signup bonus. 
I request that American Express provide a transparent, written explanation as to why the bonus was not fulfilled and improve the handling of such situations to protect other consumers ' rights. 
I ask that CFPB investigate this matter and urge American Express to fulfill its commitment. Thank you for your protection and oversight of consumer rights! 

Applicant Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX / XXXX Last Four Digits of Credit Card : XXXX
Product: Credit reporting or other personal consumer reports

I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  XXXX - XXXX
Product: Student loan

Currently I have approximately 400 K on students under XXXX where I was under IBR payments which was also qualifying PSLF payments since XX/XX/XXXX. 

On XX/XX/XXXX - I received a letter from XXXX informing me that my annual IBR income renewal was coming to review by XX/XX/XXXX where I need to resubmit my annual income certification. I completed that before that date and received a second letter on XX/XX/XXXX informing me that my request to switch from IBR to REPAYE was being processed however they required that I change to standard repayment prior to the switching to REPAYE. This requires a full standard payment which is not affordable to due to my income to debt ratio and thus XXXX places my account into automatic forbearance while the transition to REPAYE occurs. During this time I received a 3rd letter on XX/XX/XXXX indicating that my loan successfully converted to REPAYE with a monthly repayment of XXXX ( this new payment under REPAYE qualifies for PSLF payments ). However when I log into XXXX to submit payments, there are completely different amounts of required payments which I spent 4 -6 hrs over 3 phone calls ( prolonged periods of hold, various transferring to different personal ) and no one was able to verify where these differing amounts and they where coming from and what was accurate vs inaccurate. Every single person that I spoke could not identify the various amounts that is populating as my payments. 

To put into context based on the paper invoice I received a bill of XXXX ( REPAYE calculation based on my income ) but the dashboard when I log in to XXXX was showing 2 different amounts totaling approximately 2,200. Again tried to clarify with various personnel over the phone at XXXX and no one could verify these amounts and how they populated to my account. 

I am concerned because I have been making payments on time and consecutively in order to reach my 120 payment goal for PSLF. By not clarifying this current error in a timely fashion XXXX is forcing me to go into a forbearance and require me to make my monthly payment which wouldn't qualify towards PSLF. This is not acceptable when : A. I submitted my income verification ahead of schedule to appropriately convert from IBR to REPAYE to not miss a payment B. when XXXX forces us into forbearance which interrupts qualifying payments into PSLF. We should be penalized for this when its the errors from XXXX 's side.
Product: Debt collection

I 've received XXXX letters and daily phone calls from a company named Portfolio Recovery Associates , LLC. They say I owe {$260.00}. For something I bought from XXXX XXXX 's. I responded to their letters asking them to please provide me with proof of purchase. They sent me a blank form of verification of debt, which they want me to give them all my personal information and have it notarized. That 's not gon na happen! I almost never shop at XXXX 's. I have n't used a XXXX 's credit card and I normally pay by check. If I did owe XXXX XXXX 's for a purchase would n't they have sent me a bill? All I 'm asking them for is proof. Thank you.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report.

1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 




I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681.

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

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

XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing XXXX for being on their side after showing them all evidence. I just wanted XXXX to report a remark to " Volunteered Surrender on the credit report. XXXX states that they are only following procedure and report exactly what Exeter Finance dictates to them. 
I wish for XXXX and Exeter Finance of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX PS Exeter Finance does not know where the vehicle is and I have told them. 
PS 2 : Would like Exeter Finance to surrender title in order for me to fix {$7000.00} repair. 
PS 3 : VIN : XXXXXXXX XXXX  XXXX XXXX XXXX PS 4 : ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

I opened up a CoinBase Pro account on XX/XX/21. I did not place any funds into the account nor did I purchase anything. On XX/XX/21, my bank statement read two {$200.00} charges to " XXXX  transfer to XXXX '' which I did not make. My credit union could not follow up on these charges, citing that they were a 'cryptocurrency issue ' so I'm left with a {$400.00} charges that I have no idea how they were made nor do they show up in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on fair credit reporting act 609, I am requesting XXXX to provide original signed documents to validate my Exeter finance account which is fraudulent account.
Product: Credit reporting or other personal consumer reports

I believe I am Victim of ID theft pursuant to section 605B, Please remove the inquiries on my FTC reports
Product: Credit reporting or other personal consumer reports

sent letters out to the bureaus eperian, XXXX, and XXXX on XX/XX/year>, XXXX, XXXX, XXXX  and XX/XX/year>. It has been over 90 days and the creditors have not responeded. Please deleted and removed the following accounts if not verified and validated. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX XXXX {$870.00} XXXX. XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$190.00}
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Removal of Erroneous Hard Inquiries from Credit Report CFPB Complaint No. XXXX Dear Equifax Information Services , I am writing to express my concern regarding four hard inquiries listed on my Equifax credit report XXXX which I have previously disputed through a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under the complaint number XXXX. Despite providing all necessary documentation to prove my unawareness and non-authorization of these inquiries, they still remain on my credit report, negatively impacting my credit score. 
I would like to highlight that the other two major credit bureaus have already acknowledged the validity of my complaint and have removed these inquiries from my credit reports. This action was taken after recognizing the potential negative impact and the lack of any linkage to my accounts, as per the evidence I submitted. 

Moreover, I had a conversation with XXXX XXXX, a supervisor at Equifax ( Agent Number XXXX ), on XX/XX/year>, who assured me that Equifax would " follow suit '' in removing these inquiries, considering the action taken by the other bureaus. Despite this assurance, the inquiries remain, and no further communication or resolution has been provided by Equifax. 

The continued presence of these inquiries on my credit report is concerning and suggests a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - **Section 611 ( 15 U.S.C. 1681i ) **, which requires Equifax to conduct a reasonable investigation into the disputed information.

- **Section 623 ( 15 U.S.C. 1681s-2 ) **, which mandates furnishers to provide accurate information and investigate disputes received from consumer reporting agencies. 

Enclosed are copies of the removal confirmations from the other two credit bureaus and all relevant documentation previously submitted to support my claim. I urge Equifax to immediately conduct a thorough and fair investigation into these disputed inquiries and remove them from my credit report as previously discussed. 

Please treat this matter with urgency, as the continued inaccuracies not only undermine my financial integrity but also impede my ability to secure future credit. I expect a prompt response within the mandated timeframe under the FCRA, confirming the resolution of this issue. 

Thank you for your attention to this serious matter. I am keen to see a swift action on your part to correct these discrepancies. 

Sincerely, XXXX XXXX Enclosures : - Proof of Removal from Other Two Bureaus - Copies of Previous Correspondence and Documentation - Record of Call with Supervisor TXXXX  ( Agent Number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc, police report and 3 social mix match they fail do do anything XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX