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

Capital One promoted its Venture credit card with a {$0.00} introductory annual membership fee. It also promoted a XXXX mile reward if {$3000.00} was spent in the first 3 months XXXX https : //www.capitalone.com/credit-cards/venture/ ). XXXX Capital One has since introduced a XXXX mile award card with an annual fee of {$95.00}. At the time I applied, the introductory annual membership fee was {$0.00}. ) The account was activated ( opened ) in XX/XX/XXXX, but Capital One charged me {$95.00} annual membership fee in XX/XX/XXXX, two months before the introductory period expired -- which violates its own Customer Agreement ( COF Customer Agreement XXXX ), page XXXX, section titled " Membership Fee '' : " If your account terms include a {$0.00} introductory fee, we may charge the first fee when the introductory period ends. '' Furthermore, Capital One activated the credit card before sending it to me across an international border. The card arrived with a big bold sticker declaring that the card was activated and ready for spending. The envelope had been opened by Customs as it crossed into XXXX -- a perfect situation for enabling credit card fraud! After making one travel-related purchase of more than {$3000.00} to lock in the promotional award, I put a restriction on the card, making it useless. 

Capital One has refused to honor the promotional award, which it now says can only be applied to future travel-related purchases. Besides that fact that we are in a worldwide pandemic where travel is discouraged and not responsible, the card that Capital One sent me ( activated, across an international border ) was useless. 

To resolve this, I'd like the following steps taken : Reverse the annual fee, the interest charges and the late fees. 

Refund the {$25.00} I paid in XXXX to avoid late charges. 

Provide the full promised awards for using the card. 

Close the account. 

Note on my credit report that Capital One was responsible for errors. 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Student loan

My student loan has been listed as In Repayment with Firstmark Services, despite the fact that the loan should be forgiven ( {$0.00} balance ) through a teacher forgiveness program. 

On XX/XX/XXXX, the human resources department at my school district, XXXX District XXXX, mailed a South Carolina Student Loan SC XXXX Loan Forgiveness form to South Carolina XXXX XXXX XXXX, XXXX : XXXX. SC Student Loan confirmed by phone that the paperwork was received the first week of XXXX and was forwarded to Firstmark Services, the new loan servicer, https : //firstmarkservices.com/. SC Student Loan also confirmed to me that this year of service would mark the total forgiveness of the loan, and that the balance should be {$0.00} once paperwork is processed. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was in repayment status. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was past due. I spoke with a customer service representative with SC Student Loan and was told that paperwork has been in process since Firstmark Services took over servicing their loans, and to request a deferment so that the paperwork could " go through. '' I spoke with a customer service representative with Firstmark Services, and was told that I could receive a deferment through XXXX. On XX/XX/XXXX, I received communication from Firstmark Services that the deferment had been approved. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was once again in repayment. 

On XX/XX/XXXX, I spoke with a customer service representative with SC Student Loan. She remarked that, after looking over my system notes, that it appears Firstmark Services had not responded to their submissions, and apparently Firstmark had not done anything to process repayment since XXXX. She would re-submit the paperwork on my behalf. 

My loan is currently listed as due XX/XX/XXXX. 

In my years dealing with SC Student Loan, I have always experienced excellent customer service and timely processing of forgiveness and deferment. I believe the issue is with Firstmark Services.
Product: Debt collection

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services. 

Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Mortgage

On XX/XX/XXXX I placed a claim with my company. The claim remained open and in XX/XX/XXXX we had a situation with one of our bathrooms and another claim was entered To the insurance. First claim was paid but now we got a second claim open and our insurance was canceled. We were told that we had to open claims for home mortgage and that we can not get insurance. The second claim remained open until XX/XX/XXXX and Wells Fargo home mortgage went ahead and placed mortgage placed forced insurance on our property since we were unable to obtain insurance because of our open claims. We worked with an attorney and the claim was closed and we were not notified by that attorney or by Wells Fargo that the second claim was closed. Our mortgage payments went from $ XXXX {$2600.00}. Six months later it went from XXXX and we were unable to make those high mortgage payments so we continue to pay the {$2600.00} .and we were uvia letter from Wells Fargo that that included the insurance plus additional money in case we went over for the escrow. Today the payments are XXXX and were in a negative escrow {$15000.00}. In XX/XX/XXXX I found out that the claim has been closed and that everyone had gone paid so I called my attorney and I found out why Ive wasnt informed of this why nobody told me and I went ahead and paid for my new insurance info and I gave the money to Wells Fargo so that they can sign the check so I can retrieve my insurance money. It is now XX/XX/XXXX and I have yet to receive a dime because Wells Fargo is holding onto {$45000.00} that I have received from the insurance to Fix my bathroom. Whenever I call they ask me for new paperwork and new paperwork paperwork that I just dont have its impossible to have Ive spoken to everybody and they refused to let a dime go. Also they still have forced placed insurance on my home even though the policy has been paid since XX/XX/XXXX and full and theyre telling me that they never received any paperwork even though my insurance agent and myself have fax it over twice. They have also ruin my credit because they still have an outstanding escrow account and I have hired attorneys to help me with this and theyre telling me that the burden is on me to prove that they forced placed insurance because I had open claims. Wells Fargo is claiming that they never left open claims on my record and that if I wanted to get insurance I shouldve been able to do so. I have been speaking with my insurance agent to get some type of paperwork that said that I had open claims on their placed on by Wells Fargo but the problem is that once the claim closes everything goes away and its very difficult for them to obtain anything that says that I have an open claim because there is no open claim. so as of today I have not received any of the money that I received from the insurance the {$45000.00} I have a - {$15000.00} escrow account and I still have forced placed insurance on my home aside from the insurance that I paid and my credit went from a XXXX till XXXX because they have me as pay late because they had me with an escrow for the forced place insurance. Can someone please help me with this?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. Fulton continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with Fulton about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to Fulton on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as XXXX days past due by Fulton . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead Fulton caused my score to drop XXXX points and I no longer qualify for loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, XXXX, XXXX, and Experian are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to TransUnion disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX    XXXX   {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to collect  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sect ion 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing th e dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the  credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Product: Checking or savings account

Dear XXXX, I am extremely dissatisfied on the lack of support by CHASE Bank. I was defrauded out of {$2500.00} by an individual with a Chase Bank account claiming to be a property manager and requiring a security deposit. The individual told me that he returned the money back to my Chase account but It has been well over +30days and I never received my money back. CHASE failed to provide me with the criminals information as he is a CHASE bank customer, so I am not able to pursue the person. 

I am requesting that CHASE refund my {$2500.00} deposit. I am prepared to take legal action against CHASE for creating the platform and ease of opportunity for criminals to easily set up checking accounts to commit wire fraud. CHASE has provided me with no safeguard for my customer safety. Below is the contact information for the chase customer. 

Name used : XXXX XXXX, XXXX XXXX Phone numbers used : ( XXXX XXXX XXXX, XXXX XXXX XXXX Email used : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and XXXX as well as XXXX for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX
Product: Credit reporting or other personal consumer reports

Subject : ** Complaint Regarding Credit Bureau Non-Compliance with FCRA XXXX XXXX XXXX  Dear CFPB, I am a victim of XXXX XXXX, also known as " false imprisonment. '' Under the Fair Credit Reporting Act ( FCRA ), specifically [ 15 U.S.C. 1681c-2 ( a ) ], credit reporting agencies are required to block negative information on a credit report resulting from human trafficking upon receipt of appropriate documentation. 

I provided the credit bureaus with all necessary documentation, including proof of my status as a trafficking victim, and requested that the negative items related to this situation be blocked from my credit report. Despite my submission, the credit bureaus negligently failed to comply with their legal obligation to block the disputed items. 

This failure to act has caused ongoing harm and is a direct violation of the FCRA. I am requesting that the CFPB take action to hold the credit bureaus accountable for this negligence and ensure they fulfill their legal duty to protect victims of human trafficking. 

Thank you for your assistance in resolving this matter. 

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

To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf. 

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX  be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

Sincerely,
Product: Checking or savings account

I purchased a XXXX XXXX device from XXXX XX/XX/year>. XXXX XXXX pressured me not use my insurance of XXXX XXXX XXXX XXXX XXXX Select of Texas, because it would be denied. I purchased the item with my Chase Debit card. I was given a tracking number, but the item stayed in pre shipment status for over a week. After not receiving any explanation for the delay. I requested a refund. XXXX XXXX ignored me for additional week. I filed a complaint with the Texas Attorney General, To but no enforcement. Today ( XXXX ) email stated XXXX XXXX could not issue a refund because he does not store debit or credit card information. The company uses XXXX XXXX XXXX. It was my responsibility to contact Chase and seek a refund. I went to the bank today with the letter from the attorney general and email from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX + XXXX XXXX ( overdraft ) I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I talked to a banker who did not want to help, because the account was close. I called about the status at XXXX and was assured the XXXX team would return my phone. I never received the status update. 

Chase is holding on 75 % percent of paycheck. I had to return items to pay by bills. They will not issue a refund.
Product: Checking or savings account

I am usually paid two days early but decided to wait til the actual day to give them a chance. But it is now XXXX XXXX  and XXXX banking has not deposited my money from my job. They have not provided an explanation and are actively avoiding saying what's going on. I got paid XXXX $ from XXXX. I called payroll and they already knew about XXXX banking because it's happening to everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized Hard inquries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete other names XXXX XXXX XXXX Accounts Affected by the XXXX
Product: Student loan

I had a few private loans with Chase for school, at the University XXXX. It was at a time when I was between the ages of XXXX and XXXX, approximately. I am now XXXX. Not only was I able to obtain these loans without a cosigner, but multiple loans. As a college student with no financial aid or help from family that was a huge deal. I always made payments and was never late. I did however lose my job and get married and leave the country. After being on a series of payments plans, I called the woman who I had been making payments through to let her know of my situation and as if there was a way to put payments on hold or to make smaller payments until I got on my feet. I was being proactive, and responsible. But the woman was cold ( as I would expect, ) and basically gave me XXXX option : to pay off thelarge lump sum or that further legal action would be taken on their end. This Scared me more than anything. What could they do? What would they do to me? I do n't want debt hanging over me, its the worst feeling in the world. Eventually I found out that all the debt was written off and my credit reports took a huge slam. Now I am trying to figure out how to build my credit back up and get those settlements off my reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.
Product: Student loan

Dear Sir or Madam, This letter is in reference to my student loan with Sallie Mae. The account number is # XXXX In 2018 a late payment was placed on my account. Due to unexpected unemployment and hardship I wasnt able to make the payment. I applied to put the account on a forbearance program which I was approved for. To start the program a payment had to be made the problem is that the payment was attempted to come out the wrong bank. The payment was never made so the account wasnt placed on the hardship plan and the late payment was placed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so due to the misunderstanding. The account has been open for 7 years and 6 months now, that late payment is the one and only one I have ever gotten. I would very much appreciate it if you would remove that 1 payment delinquency from my credit report, as I've been building my credit over the past 6 years. 

I am writing today because my mother who is my cosigner is trying to buy a home and is having difficulties with lenders seeing a derogatory mark due to having missed payments on this account. I am also facing difficulties even though my score is now 700+ Im being denied with the reason being delinquency from this late payment. Given the date, the misunderstanding for which caused this, and overall positive payment history, I am kindly requesting your agency to consider removing the derogatory missed payment as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my mother and me. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX