23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a rewards checking account with Capital One and used it in large part because of the Rewards. Based on my usage, I had accumulated XXXX miles with effective value of {$120.00}. Capital One had promised " Miles never expire. '' Well, that is until one day I found out that my rewards balance was XXXX. I was told that the program ended and Capital One decided to take even the accrued rewards money away. I talked to a couple customer service reps, then went to the branch, but nothing helped. 

I find it as an Unfair and Deceptive practice to make me use their product mainly because of rewards and then evaporate the customers ' earned rewards one fine day. If I can not trust a bank to hoard my earned money ( rewards or otherwise ), who else can I? 

Additional Information : I moved from the XXXX to XXXX in XX/XX/2014. Capital One does not have the option to send communications to XXXX. It is possible they sent mails that I did not receive. I have not received any e-mail from them regarding this.
Product: Vehicle loan or lease

XXXX  XXXX XXXX  forced us to make a non-refundable down payment before giving us any details about who the loan was through, what the % rate was, or what the total cost of the loan was. They refused to accept {$1000.00} down so we put done {$3500.00}. Our credit card was charged {$3500.00} that day. While they kept our credit card and drivers licenses they made us sign a statement of understanding stating that we would use their financing and carry the loan for at least 9 payments or they would charge us {$2000.00}. 
XXXX XXXX XXXX ( uncertain if that name is correct ) at XXXX XXXX bombarded us with a bunch of paperwork. He made it clear we were on camera and being recorded. He said it would take 15 minutes but we were there more than an hour and a half. Finally he showed us the contract. He refused to listen to our request to use XXXX XXXX XXXX. He did tell us the % rate at that time. He did not tell us how much our finance charge would be if we followed the payment schedule. He did not say there was an additional {$75.00} prepay charge from XXXX  XXXX. They gave us no choice who to finance through and and we felt forced to sign all they had even if we did not agree with it. We felt this because of the non-refundable {$3500.00} and the confusion of what the {$2000.00} was. 
They said they would use our credit rating but did not check our credit. 
XXXX We went to XXXX XXXX XXXX. They told us XXXX and was notorious for using scare tactics and they didn't think they could force us to pay the {$2000.00}. They didn't understand the {$2000.00} either. They offered us a much better deal and we paid off the XXXX XXXX loan. 
XXXX XXXX XXXX  We got a letter from XXXX XXXX at XXXX demanding {$2000.00}. They said XXXX  XXXX  was going to charge them. No terms were displayed. XXXX ext XXXX. 
XXXX We called XXXX  XXXX and spoke to XXXX. XXXX told us they do not charge back Dealers and he didn't understand the {$2000.00}. XXXX said the Non-refundable {$3500.00} part of the transaction was very questionable and we should report. 
XXXX we got a second letter from Ms. XXXX. The letter said if we refused to pay by XX/XX/XXXX we would be reported to the Credit Collector. At first XXXX said we should be able to choose our own financing. Then she called back and said we had no choice. We told XXXX we were going to complain. XXXX e-mailed us a copy of the charge back statement showing XXXX  XXXX sent to them. 
XXXX XXXX received a check for {$2000.00}. 
XXXX We called at XXXX  XXXX  to contact XXXX. Attempts have been made on our side and there's however, we have not been ever to make further contact with XXXX   XXXX. I think the lady 's name is XXXX with XXXX XXXX in XXXX WI. XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I tried multiple times to create an account with EXPERIAN. I was stopped midway ( after entering all my vital private information ), with a page stating " Opps there has been a problem '' - Please call XXXX XXXX. When calling this number, I went in circles with an A.I. generated voice that did not allow me to get the help I needed to gain access to my account. I tried many times and different ways to gain access to my account. I finally did speak to a live person the day at Experian who told me that since my account had been frozen. I could not gain access, and if she unfreezed my account, I would be able to start over with a new account - username and password. That just turned into hours of more aggravation, as they would never allow me to create an account or ever sign in again! 

Last Friday, I was alerted that my XXXX # has been detected on the " dark web '' by a credit monitoring service ( appointed to me from a XXXX XXXX XXXX Breach ), and that I should take measures to protect my credit. Experian has been the only one of the 3 Credit Agencies to make it impossible to create and access an online account.
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report, and found inquiries listed from creditors whom I did not request credit from. The dates and companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I contacted each company on Wednesday XX/XX/2023 to inform them that I was not the person who inquired about or applied for credit with them. Each company informed me that I needed to contact the credit bureau ( s ) to submit a dispute. I contacted Equifax on Wednesday XX/XX/2023 at approximately XXXX. pst. I was informed by the Equifax representative, that I must fill out a complaint with the FTC and/or the CFPB. I am requesting an investigation into this matter, and immediate removal of the above mentioned inquiries from my Equifax credit report.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX
                                                                                       XXXX, XXXX


XXXX XXXX, General Counsel
General Law & Ethics
XXXX XXXX, Deputy General Counsel
Litigation & Oversight
XXXX XXXX, Deputy General Counsel

Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX. XXXX

Dear Friends : 

I hope you decided to join me and provide guidance in pursuing justice with respect to my local government XXXX County and XXXX XXXX XXXX. After losing my home in XX/XX/XXXX I am exhausted. 

Please allow me to share with the most recent evidence of poor governance and tax collector fraud by XXXX   County. Attached is a copy of the XXXX County Georgia Property Tax Assessment for a property that I owned from XX/XX/XXXX to XX/XX/XXXX. 


First, please note that home is appraised for XXXX   on the most recent XXXX  County Tax Bill forXX/XX/XXXX


First, the home continues to be appraised at XXXX
Second, the true market value was realized or evidenced at the sale of the closing statement for XXXX.

Historically, my XXXX  County Tax appeals were met with valuation increases the following year.

XXXX County doesn’t have a reliable tax assessment model. The Governor Of Georgia as advocated this as well and requested a freeze in tax billings.

The Congressional Tax plan will place many of the local tax authorities in crisis due to the limit on local property tax deduction to XXXX. When taxpayers realize this financial change, the local governments will enter a crisis due to heavy dependency on “Non Market” Property Tax Valuation. The Federal government has been subsidizing local tax authority property tax abuse by shielding the financial impact with a deduction. This has also supported unfavorable local government management. For example, XXXX County Tax revenues and budget expenses increased during the Great Recession of XX/XX/XXXX to XX/XX/XXXX. We market property valuations declined 30%.

Please join me in litigation against XXXX XXXX XXXX and XXXX County Tax Assessor for Property Tax Fraud Home Affordable Modification Program. I would like to recover over XXXX  in excessive property tax non-market assessments payments and damages from XX/XX/XXXX to XX/XX/XXXX. I understand that class action litigation may be more applicable.




Sincerely,


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I saw that these accounts were open in my named I called the company to get information regarding the account but was told that I could not get none because the account was closed. I have no knowledge of the account or who opened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA TransUnion.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and outright refusing to uphold the law. 
Name of account : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with USAA that i filed chapter XXXX on and it is still active. My wife 's credit report is showing 90 days late on this account, she was an authorized user only.
Product: Credit card

FNBO sent me a card not like any credit card I have its very unusable almost paper material card. They told me that the card was going to be to me the next day. This was a lie the next day was the XXXX of XXXX the card came on the XXXX. 

Its been close to decade of having this card my score went down XXXX points from the was they reported. This company should not be in the public domain. They harm consumers with unusual reporting. 

They a one start on the XXXX XXXX  website. They should not be allowed to harm consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

to the three credit bureaus, Experian, XXXX, and XXXX you can find the tracking numbers listed on the documents I submitted. However, it's been more than 30 days and the credit bureaus have failed to provide me my investigation back. This is not making any sense to me, and this is hindering me for improper use of my credit scores in report. 

According to the law 15 U.S. Code 1681i- Procedure In case of disputed accuracy. If the completeness or accuracy of any item or information contained in a consumers 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 investigation 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 five before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX I Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations XXXX not my accounts XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7300.00} Status Account charged off. {$5900.00} written off. {$7300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8300.00} Status Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX account XXXX  XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided XXXX with auto insurance of any kind that has XXXX XXXX  name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XXXX XXXX XXXX  - Balance {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  - Balance {$1400.00} Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I open on XX/XX/2021 a RMA. This mortgage assistance was approved by the relationship XXXX XXXX XXXX. I want the approval of XXXX XXXX XXXX. I have him recorded on all the calls confirming that the RMA FOR {$100000.00} was approved. They dont respond for the offer and their service is poor. I need the assistance honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the  debt has been disputed. Note : This certified letter was signed for by USAA on  XXXX   XXXX ,  2017.    On  XXXX   XXXX ,    2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,    2017, I  sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 afte r they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX XXXX. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH EQUIFAX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a XXXX credit card with Capital one. I made XXXX payments to Capital one which were to a closed capital one account instead of the new account before the problem was caught. I have resolved this multiple times with Capital one with bank statements and i have taken two days off work to go to my bank ( XXXX ) to sit and go through all the money transactions with both XXXX and Capital One. However i keep receiving mailings that this issue is not resolved and the money keeps getting debted out of my account. My bank is frustrated as they have provided all the information to capital via whatever secret backdoor numbers they communicate with while i sat and listened to the entire conversation. This transaction was just reversed again and i am at a loss of where to get this resolved. One payment was {$500.00} and another was {$1500.00}. I have an XXXX XXXX XXXX because i pay my bills but this problem is not getting resolved.
Product: Student loan

Completed forms for the PSLF & TEPSLF certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted twice on XX/XX/XXXX and XX/XX/XXXX. However FedLoan did not count these time periods as part of my qualifying payments.
Product: Credit reporting or other personal consumer reports

I discovered the CFPB lawsuit against XXXX and feel that I have been adversely affected by their actions, which have hindered my ability to obtain credit. I do not want this to happen to me with Equifax. 

Based on my previous dispute with Equifax I received a response to my dispute that the accounts were " verified, '' yet they provided no details about their investigation process. XXXX collection agency is reporting a collections account which was paid to the company representing them XXXX, ( Account # XXXX ) yet Equifax is not verifying this information with XXXX. 

However, the credit bureau did not provide any specific details on how the verification was conducted or any supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ), I am entitled to receive a description of the procedure used to verify the accuracy of the information.
Product: Checking or savings account

XXXX XXXX waits to take the amount of out my account days later instead of the day of purchase causing me to go into the negatives on top of charging me an overdraft fee due to the insufficient amount AFTER they decide to take the money out when they feel like it. It has caused them to over draft my account numerous times and then I am left in the negatives. For an example on XX/XX/24 a bill is due and I pay that bill on XX/XX/24, Navy federal will wait until XX/XX/24 to actually post the transaction to reflect my account which causes numbers to mess up and I potentially have less money due to them not actually charging and posting that day.
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 Protection Act ( CFPA ). Specifically, Cash App failed to 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that there was a fraudulent account opened under my name without my consent. I am opening this FTC report to dispute the fraudulent account opened under my name. Dispute and remove the following account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated my loan back in XX/XX/2017 with DEPTEDNELNET. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDNELNET.