23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On  XXXX   XXXX ,   XXXX  , SoFi sent an email saying my interest rate had been miscalculated for a short period ( as part of  the Auto Pay benefit ), and that SoFi would  credit my account during the first week of  XXXX .     By  XXXX   XXXX , nothing had shown up. I called SoFi and was told it would be done two weeks later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  SoFi for the second time, and was told it would be done one  week later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  Sofi  for the third time, and was told that it would be taken care of during the month of  XXXX .     Every time I call, I 'm given a new date, but my account is never credited.
Product: Credit card

I signed up for the American Express EveryDay Card on the sign-up offer of XXXX Membership Reward points as long as I spent over {$2000.00} in 3 months. I met the terms of the offer by spending over {$2200.00} in the first three months - which was confirmed by several American Express representatives - and 6 months later I have still not received the points. During this same time I also added a American Express Offer on two different American Express cards that said I would earn XXXX points if I spend {$200.00} at a hotel chain. I spent the {$200.00} dollars on both cards ( {$400.00} total ) and only received the points on one card. I 've contacted American Express multiple times over these issues and each time the representatives assure me that the points will be added to my account shortly, which has yet to happen.
Product: Credit card or prepaid card

I bought a visa gift card of value {$500.00} in XXXX  ' food on XX/XX/XXXX and found that someone else registered my card already and made several unauthorized transactions of total value more than {$400.00} on XX/XX/XXXX and XXXX. I called XXXX  ( US Bank ) to request a replacement card and dispute the unauthorized transactions. As requested ( CID number XXXX ), I faxed my valid government ID, front/back of gift card, and original receipt of purchase to prove the ownership of the gift card on XX/XX/2021. I was told by the agent via the phone that they will respond within 3-5 business days by mailing a replacement card and helping me to handle the unauthorized transactions. However, until of today, after 10 business days, I did not get any response from US Bank regarding whether they get my request approved and whether they have mailed the replacement card or not.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I called the credit bureau about XXXX XXXX  is showing the amount of {$4300.00} on XXXX and {$5400.00} on the other XXXX it doesnt show a account number on either XXXX but it is showing that these XXXX accounts have been charged off I did call and ask all three credit bureau XXXX remove them from my credit report because it not right Equifax XXXX XXXX XXXX
Product: Debt collection

On multiple occasions over the course of  XXXX  and  XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.
Product: Mortgage

As of XXXX XXXX I was on time with payments, understanding one was due XXXX XXXX XXXX XXXX XXXX I received a notice that I was 75 days late on a payment. I also received a 45 day letter on the same day. 

On XXXX XXXX I called and spoke to one agent who was confused by the issue then realized something was wrong with my account. We got disconnected and no one called back. 
I called back and got another agent, who, while friendly, kept badgering me about why I didnt make a payment in XXXX ( I did ). After much frustration, I believe she finally saw what I did, that my account is messed up. She is supposed to research and call me back, as of today I havent received anything. 

Im now 90 days past due. In your systems opinion, a magical 75 days have passed in 16 days, 90 days in 19 real days. 

Today I received a notice that my agent changed. I emailed customer service and was told my issue was resolved in XX/XX/XXXX and they closed the ticket. 

It then took one employee after 12 phone calls and 3 hours to discover they audited my account discovered THEY messed up and put my account 90 days past due. They sent people to my house after 15 days of actually being past due threatening foreclosure. They have been sending people to my house to take pictures and then charging me for the privilege even though my account is no longer close to foreclosure. They have ignored my every attempt to figure out why this happened. Im so fed up and stressed. Im Sick of being sick over this please help. 

I cant attach an email chain but if youd like it I will forward it all. Most of this message is a copy and paste from my initial email to them so I apologize if some of it seems directive.
Product: Debt collection

item is listed as " charged off '' on credit report and I would like this removed from my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby requesting an early exclusion ( deletion ) of XXXX XXXX XXXXXXXX account number XXXX ... ... .. from credit report immediately. This company has a policy where by which persons can request that items be deleted from there credit report up to 6 months before the due date. Its now 6 months before this account will drop off my credit report. This is based on the last credit report that I got from Transunion. The XXXX XXXXXXXX XXXX account is scheduled to fall off my credit report in XX/XX/2022. 
I am therefore asking Transunion to grant me an early exclusion and delete this account from my credit report immediately please and Thanks in Advance.
Product: Credit reporting or other personal consumer reports

I contacted Capital One concerning a credit card that I have with them ( I am an authorized user ). Capital One has been reporting the usage of this card to XXXX and XXXX but NOT to XXXX. The good usage of this account shows favorable on my XXXX and XXXX reports, but its absence on XXXX has my scores unbalanced, and this is negatively affecting my score averages so I can pursue a new mortgage. 

I requested that Capital One confirm that they would report the correct and timely information to the XXXX credit bureau. They first stated that they were reporting the account correctly ( see their letter dated XXXX  ). But I called to let them know ( again ) that the issue is with them not reporting the card 's activity to XXXX. I need it reported to ALL three bureaus. 

I received confirmation from them via letter dated XXXX  stating that they would report the information to XXXX, but they have failed to comply. I need the assistance of the CFPB to ensure Capital One reports the card activity to XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I closed a secured credit card account with Capital One in XX/XX/2021 after they restricted the account from use. The secured account had a deposit of {$870.00} Capital One refuses to give back. They are asking for documents from the bank I was paying from that I have already provided numerous times. They continued to take payments from that very account while it was restricted yet won't pay back my deposit.
Product: Credit reporting or other personal consumer reports

I recieved a credit report fro LexisNexis. I disputed quite a few items and sent in my dispute. After XXXX weeks I sent a request as to when the changes to my credit report would be completed. I provided the Consumer Number XXXX and the Case Number XXXX. I was sent an email that said they couldnt verify my identity. The said to send a copy of my drivers license and a copy of my utility bill. Im not going to do this. Ive already sent that information. I want to know if LexisNexis recieved my dispute letter. I want to know when LexisNexis will complete the changes to my disputes. If I dont get the information Ive requested. I will wait XXXX months and request a new credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account in XX/XX/XXXX because it listed as filing for bankruptcy for the referenced account in XX/XX/XXXX and provides erroneous information that I included the account in bankruptcy which I did not. It is providing negative information and extending the date beyond my actual filing of bankruptcy which was actually filed in XX/XX/XXXX. Even if I did include the account in my bankruptcy the account would be deleted in XX/XX/XXXX just as my actual bankruptcy would be deleted. All of the details regarding a bankruptcy on the account should be deleted. Then in the processing of that error you updated another similar account stating that it was discharged through a bankruptcy. Both referenced accounts are not included in student loans and are not dischargeable. Both accounts are XXXX  XXXX XXXX  Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Monday, XX/XX/2023 TransUnion XXXX Subject : Dispute of Inaccurate Consumer Report Information Dear Sir/Madam, I am writing TransUnion and XXXX to bring to your attention a matter of utmost importance. There are inquiries listed in my consumer report that do not pertain to any transactions initiated by me, as stipulated under 15 U.S. Code 1681c2. 
Upon a careful review of my consumer report, I have identified the following inquiries that I believe to be inaccurately associated with my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 TRANSUNION - XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 These inquiries have raised concerns regarding the accuracy and integrity of my consumer report. As per the provisions of 15 U.S. Code 1681c2, it is imperative that the information contained within my consumer report accurately reflects my credit history and transactions. The presence of inquiries unrelated to my activities compromises the reliability and fairness of the report, potentially affecting my creditworthiness and future opportunities. 
In light of these discrepancies, I demand that you remove them from my consumer report immediately, as they are not indicative of any transactions initiated by me. I further request that you provide me with a revised copy of my consumer report once the necessary rectifications have been made. 
I trust that you will treat this matter with the utmost urgency and undertake a comprehensive review of my consumer report to rectify the inaccuracies in a timely manner. Failure to address this matter appropriately may result in the escalation of my concerns to the appropriate regulatory authorities.

As 15 U.S. Code 1681c2 states once you receive this information, which will be immediately as I will be submitting through the CFPB, you must block this information not later than 4 business days after the date of receipt of : ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Which all are in this document. 

This document is drafted by me, XXXX XXXX. It is not made in error nor a misrepresentation of fact. 

Additionally, as mandated by the Fair Credit Reporting Act ( FCRA ), I request that you furnish me with written notification of the actions taken within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and Experian have fixed some of them but XXXX  has not fixed any of the errors.
Product: Checking or savings account

I need help resolving an issue with applying for a Discover Bank deposit account. I am XXXX XXXX XXXX and a long time discover card holder. I recently decided to also open a savings account and it has been a surprisingly poor experience. There are many options where I can put my money but I have always been happy with my discover card. In setting up my savings account, I attempted to take advantage of one of its recurring promotional offers in XX/XX/XXXX. My promotional code was XXXX. To qualify for the promotion, I needed to apply by XX/XX/XXXX and make a deposit of $ XXXX by XXXX to obtain a {$200.00} bonus. I did apply by XXXX as required but the deposit of $ XXXX did not occur until XXXX, 9 days late. However, there were many other customer service encounters in between that were poor. There were many gaps in what was promised and what was delivered in terms of emails and returned calls. I believe some of these were intentional obstacles so Discover Bank would not have to pay me the bonus. I appealed to the higher ups at Discover Bank and they still have not paid the {$200.00} bonus. They run promotions like this all the time and my guess is that I am not the first person to face obstacles and delays so they did not have to pay the bonus. Additional details are in the attached timeline.
Product: Credit card or prepaid card

On XXXX XXXX and my daughter were scheduled to fly XXXX  XXXX from Hawaii to XXXX XXXX. Due to some problems at the airport we missed our plane and had to change our tickets. The change fee was {$120.00}. ( I have a copy of this agreement, but it is too big to upload. ) I gave XXXX my existing tickets and they gave me new ones.

Only when I got my bill did I discover that XXXX   had charged me for **NEW** tickets, a charge of {$1100.00}. I disputed this with Citibank.

They sent me a form letter denying the dispute. I have sent them followup letters, but have been unable to get response. As for today, I don't think they are even reading my letters.

Maybe they will read a letter from you.
Product: Debt collection

LVNV Funding LLC claims that I owe this amount of XXXX dollars to them I deny and dispute this. I do not owe them this money and I request to have this taken off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I, XXXX XXXX have several accounts open with Capital One bank and have been a customer for years. The bank has withheld a numerous of account holders ( including myself ) from our direct deposit funds. This issue has been ongoing for a few days now and the bank has no answers for us customers in need of our hard earned direct deposit money. I have called several times to the bank and sat with wait times well over two hours to speak with someone - just to be told its ongoing and being worked on. Capital one bank owes answers and compensation for this issue in which is interrupting everyday living.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the XXXX and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or approved. 
The credit inquiries were made by the following companies on the specified dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Acceptance Corporation XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in received some letters from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX,  informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following address:XXXX XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " XXXX. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2023 ) since then the account had 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. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX