23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX, XX/XX/XXXX I called in to inquire about an interest rate reduction.  I was declined.  Discover offered a 12 month interest free purchase promotion which I did not accept.  I called back on XXXX,XX/XX/XXXX to accept the 12 month interest free purchase offer.  I was told it was not available but, my interest rate could be reduced.  I did not not accept.  I called back in XXXX XX/XX/XXXX to complain and was told nothing could be done but, a reduction in my rate was available.  I did not accept and informed Discover I wanted to make a complaint.  They offered to accept a complaint to be presented to a higher authority @ Discover.  I declined.  I asked the rep for the name of an Agency outside Discover I could make a aomplaint to and was told by rep that she had no idea.  I then when online & found CFPB.  So, my complaint is that Discover told me my interest rate could not be lowered.  Then offered me a promotion which they declined to honor & now again are telling me they can lower my interest rate.  At no time did Discover inform me that the Promotion was a one time momentary offer.  They declined to give it to me after I showed interest in it.  This in my opinion is misleading, unfair and disingenuos.  I feel Discover should be bound to honor the offer.
Product: Credit card or prepaid card

BEWARE, CAPITAL ONE REFUSES TO CLOSE MY CREDIT CARD ACCOUNT. They refused to do so, on the phone, unless I agreed to a lot of terms they wanted to read over the phone. I was not going to give in to blackmail terms about closing my account. I refused to agree to their terms and told them to just close. They would not. I sent a Certified letter ( attached ) requiring that Capital One close my credit card account. They still wouldn't do it. Instead they starting adding interest charges and late payment fees to a disputed charge.
Product: Mortgage

I am having issue on connecting to LoanCare over 3 weeks on my XXXX app. 
So yesterday I checked the website but the website is down. I also remembered last year I didn't receive a paper document XXXX Form for XXXX, I was able to call to get some automatic reply on how much interest I've paid for XXXX but I would like to have a paper documentation, Form XXXX, but the whole website is not functioning. 

I checked XXXX, there is numerous complaints about this company. I am worried I am paying monthly to a fake entity and I would like to get a statement monthly and also my yearly statement in paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed XXXX accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a XXXX enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : XXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the XXXX state agreement that these accounts are authorized to be entered into my credit report per para XXXX of XXXX state agreement XXXX attached ) which states " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). ''
Product: Debt collection

Didn't verify my debt in timely fashion.According to the FCRA you still have to verify the account if I ask. And what gives you the right to charge interest?
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Date : XX/XX/XXXX Name : XXXX XXXX Street Address : XXXX XXXX XXXX XXXX. XXXX XXXX City, State Zip Code : XXXX, New Jersey XXXX SSN : XXXX | XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a rental or consumer report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additional documents required see below : A copy of the original contract or purchase agreement that created the alleged debt. If the original contract is sent it must include all signature for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created that debt including addendums and riders. 

Proof of the chain of ownership of the alleged debt. Include proof of assignment for each chain of ownership. Proof of ownership must be from the original creditor to the current alleged ownership without any break in the chain. 

Include a full accountant history from the original creditor including date and the amount of each payment. Include the XXXX  date of delinquency leading to the collection status. 

If any interest or fees have been accrued or have been added to the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 

Proof that you are legally allowed to collect on alleged debts in the state of your state, including your Third-XXXX  XXXX XXXX XXXX. 

Proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes it clear that it debt parking without proper notices is a violation of consumers right. 

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate, account be verified or removed immediately : Inaccurate accounts, addresses, balances, payment history, account status, and names listed on my credit report. 

NATIONAL CREDIT SYSTEMS : Balance : {$6300.00} Thank You, Per the FCRA you are required to send me a new copy of my rental/consumer report after your investigation within a specific time frame.
Product: Mortgage

This conventional interest only loan was originally 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXX, Nationstar and Mr. Cooper. I applied for a loan modification with Mr. Cooper after a car accident caused a brain injury in XXXX, 2014. At the same time that the loan was being sold so many times, there were property damage claims for a roof and other hail damage that were paid by XXXX XXXX XXXX. These checks were signed by me and sent to the mortgage company that currently serviced the mortgage at that time. The total of claims were approximately {$19000.00} and the checks were never returned to me so that I could pay the contractors who completed the work. 
I believe that this was a conspiracy to defraud me by XXXXXXXX XXXX XXXXXXXX XXXX, Nationstar, Mr. Cooper and the investor to bring about the foreclosure of my property. I have uploaded proof of my attempts to recover the claims funds from the servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute. Lender should not be able to get away with defrauding people in this manner. Please help me!!!
Product: Debt collection

I disputed a erroneous item reporting inaccuracies from CITICARDS CBNA on XX/XX/31 via certified mail and I requested the documents to validate the debt be mailed to me within the allotted 30 days the FCRA gives. 45 days passed and the company still did not respond. I attempted to call the company and could not get through to who I needed because the information I provided to them was not in their system. I spoke with a manager who was able to locate a debt but the information on the account was different from mine. I let them know I never had an account with this company. I asked for validation and the representative said they dont respond to those types of request and I would have to pay the debt. I then pulled a comparison report from XXXX where I noticed CITICARDS CBNA had been reporting inaccuracies and different information to different bureaus. I filed a dispute with this information. XXXX deleted the account for not being verifiable after its investigation. XXXX and XXXX   stated they updated the account from my previous dispute. They didnt even consider the multiple inaccuracies CITICARDS was reporting. I am trying to buy a house and this account has cost me so much from housing opportunities, to job opportunities to health issues from stressing about their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a certified letter to Experian Credit Reporting stating that personal identifiers that they are reporting on my account are incorrect. Along with my letter I submitted half a dozen pieces of proof that the information, such as multiple incorrect addresses and multiple incorrect names, do NOT belong to me. I received a response on XX/XX/2021 via their app that only a phone number had been removed. XX/XX/2021 I sent out a second certified letter asking for the misinformation to be removed with several different pieces of proof that the personal identifiers they are reporting are incorrect. XX/XX/2021 I received a response via their app that my account had been updated, but no misinformation was removed.
Product: Debt collection

I am a victim Identity Theft .This account was unauthorized. 
XXXX XXXX # XXXX XX/XX/2017 {$340.00}
Product: Vehicle loan or lease

HYUNDAI MOTOR FINANCE WAS ASKED TO PROVIDE TE ORIGINAL CREDIT APPLICATION FOR FINANCING TO SHOW THE DEALERSHIP XXXX XXXX EDITED OR ALTERED THE MONTHLY INCOME. IF NOT GIVEN WE WILL GET A ATTTORNEY TO SUPENOA THE RECORDS. WE NEED THE ORIGINAL CREDIT APPLICATION SUBMITTED BY THE DEALERSHP AND WHEN T IS VERIFIED WE ARE ASKING XXXX XXXX TO REMOVE FROM CREDIT REPORT. XXXX XXXX INCOME MONTHLY WAS NOT ENOUGH TO FINANCE FOR A BRAND NEW 2017. THE DEALERSHIP FALSIFIED THE REPORTS AND WE ARE ASKIG FOR THAT ORIGINAL CREDIT APPLICATION FROM HYUNDAI MOTOR FINANCE
Product: Credit reporting or other personal consumer reports

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as XXXX, XXXX and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 


XXXX XXXXXXXX XXXX XXXX contains the following errors and more on these respective CRA report. 

Transunion : report shows charge off XX/XX/XXXX but continued late payments following. Reports list account as joint. Other missing and incomplete data. 

XXXX : shows incomplete data dating back to XXXX. Term duration listed as 9 months. Other missing data XXXX shows history to XXXX. XXXX XXXX account as joint with XXXX XXXX. Account charged off. {$17000.00} written off. {$26000.00}. Other missing or innaccurate data. XXXX claims to have reinvestigate, but no other documentation or information was ever produced. 

Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to : XXXX XXXX XXXX. XXXX, XXXX XXXX According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the account listed below to be DELETED immediately from my Experian credit report due to its reporting being in violation of the FCRA : Account Name Account Number XXXX XXXX XXXX XXXX This account was previously listed by XXXX XXXX  and was deleted by Experian. I've attached copy of my Experian reports from XX/XX/2023, XX/XX/2023, and XX/XX/2023, showing the unauthorized re-insertion of this information. 

In accordance with the FCRA, an item can not be reinserted on a credit report without sending a written notice to me within five ( 5 ) days of reinsertion. I have NOT received any such notification, which is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 9XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. XXXX there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 15. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit card

JP Morgan Chase XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Dear sir, I have received an alert email from your company telling me the unauthorized transaction ( s ) over my credit card ending XXXX. Since this email asked me to check the statement, I logged in my account and tried to find out the statement or letter on this account. But there was no document. Therefore, I checked my card account ending XXXX and found out the discrepancy between my transactions total amount and the current balance. Upon checking the transactions after the payment to this card on XX/XX/year>, I found out the following reality. The total transaction amount after XX/XX/year> should be {$940.00}, not {$1000.00}. Since there is/are some mysterious and unknown surplus to my current business. I request the investigation because there is {$94.00} surplus to my credit card. And make sure that your company will delete that amont. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX DateFiled : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting act. The list of accounts on my XXXX consumer report below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have violated my rights. XXXX XXXX XXXX section XXXX A. states I have the right to PRIVACY. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account WITHOUT my WRITTEN INSTRUCTIONS. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Bank account or service

I made an ACH payment to my PayPal account on XXXX/XXXX/15. I have repeatedly called about the receipt of my payment and the status of my account. Although several customer service agents told me they could see the receipt of the payment, the last one told me I would be able to see it on the XXXX XXXX statement. 

This being XXXX XXXX, I went to the PayPal login page and I was denied access. I spent almost 20 minutes on the call in which I was finally given a new login ( after I was told my account user name was an email account I have n't used for almost 10 years, for example. There was other nonsense in the call all, it seems, was arranged to prevent access to my account. ) My repeated requests to have my call escalated were rebuffed and accompanied with more requests to verify personal information, the last and final was information about my bank account beginning with the routing number. At that point I terminated the call and contacted the CFPB.
Product: Credit card

I want to make a formal complaint regarding the Kohl 's department store card. I have setup automatic payments at least 6 times the last few months. It keeps showing as setup completed on their site and on their app, and it does not work. I called the number on the card XXXX, and the automated voice is so garbled, I can't even understand it, nor can I connect to a live agent. I now have late payments on my credit report. I want these removed from my credit report, and I want someone at Kohl 's in their credit department who is in charge to call me. I am never shopping there again, and as soon as someone can call me, I am paying off the card and cancelling it. I want my late charges removed and my late payments removed from my credit report. I am completely outraged and irate. I am never late on any of my bills, and I can't get a hold of anyone. Why am I being punished for their negligence and joke of a payment system. I have told them multiple times, and they always say they have fixed it. Now I can't even speak to anyone. These companies need to be held responsible for ripping off consumers. I am convinced they make things as difficult as possible on purpose to rip off people and charge them late charges. No one has tried to call me or anything about my account!
Product: Debt collection

This person stated that they would serve me at my home or my place of employment if I did not contact XXXX. They stated that they would need to see XXXX forms of photo id Stated the case number was XXXX. Stated that their name was XXXX and that he would be wearing a XXXX courier vest. This information was left on my voicemail.