23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This concerns my CapitalOne credit card and account, of which I have had for approximately 25-30 years. For most of these years, my credit line was {$10000.00}. In the early years of this account, I used this account for my personal needs and also for a small business that I had in my home. This card had a lower borrowing limit on it, but I remember CapitalOne contacting me at various times and encouraging me to increase that amount, of which I did. I am XXXX yrs. old now and have been retired for at least 10 years, but I still have the card. It's always had the borrowing limit at {$10000.00}. On my last statement, XXXX. XXXX, I noticed the the amount was lowered to {$2000.00}. I had no notification that this was going to happen, so I was shocked when I saw it. Yesterday I spent a good amount of time talking on the phone with three different Cap.One agents, all a bit higher in position than the one before. None of them were able to give me an answer. Later in the day I received this email from them : Information about your account ending in XXXX Creditor : Capital One N.A. Dear XXXX XXXX XXXX, You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : There has recently been a credit line decrease This Capital One account was recently past due A credit limit increase on your account is not currently available upon request There has recently been a change to the credit line on this account In case you need a little more clarity, we've included some additional information on a separate page. You'll see FAQs, common reasons that requests for credit line increases are declined, and useful suggestions on what you can do next. We hope you find this information helpful. If you have other questions, go to https : //www.capitalone.com/credit-cards/credit-line-increase/. Sincerely, Capital One XXXX XXXX Team Please see reverse side for important information and disclosures. XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX : XXXX : XXXX : XXXX XXXX -- -- -- -- XXXXThey said in this letter that I was applying for an increase, I was NOT. I was trying to find out why my borrowing amount was lowered. Just to mention, as with most with, people there were a few occasions during all of those years when I was a few days late with a payment, but it was always taken care of in a timely fashion. I hope this letter isn't too confusing. I just want my old credit line of {$10000.00} back for several reasons. Thankyou for your assistance. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax Inquiries I didn't authorize and Equifax refused to help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This credit union is charging courtesy fees for no reason. My account was charged a {$29.00} fee for no reason on XX/XX/2023. The bank contact is out of the office until XX/XX/2023 and the customer service representatives will not correct the issue. There was no reason for a fee to be charged on my account.
Product: Credit card or prepaid card

When I paid my XX/XX/2020 bill, it was short by {$500.00}. Rather than accept the amount and charge me interest on {$500.00}, Bank of America rejected the entire amount and charged me interest on that amount. Then, they waited an entire month to tell me that there was an issue. They didn't include it in my new balance, however, and it was hidden so I missed it for another month because I was sick with XXXX XXXX. When I spoke with them they refuse to do anything and tried to explain that it was just the way they do things. I think this is predatory and they hide the information on purpose so they make millions in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it
Product: Debt collection

On XX/XX/year>XXXX XXXX XXXXXX/XX/year> ; I sent certified dispute letters to National Credit Adjusters in regards to a collection account that they are actively reporting to the credit bureaus. Certified tracking numbers XXXX shows it was delivered on XX/XX/year> & XXXX delivered on XX/XX/year>. As of today they have failed to respond to either letters and are in direct violation of the FDCPA.I requested validation and proof that the debt is legally mine by asking for a contract, promissory note or agreement with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting incorrectly by TransUnion, XXXX and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while XXXX and Trans Union reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while XXXX reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again Trans Union is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by Trans Union and XXXX while XXXX is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allege debt. nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX balance {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from XXXX for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022
Product: Mortgage

Refusal of Mortgage Company to reduce monthlyPayment due to lower property taxes. 
My property taxes are {$760.00} per the enclosed bill. 
Real estate taxes from PNC show {$1700.00}
Product: Student loan

I took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. Disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Debt collection

Jefferson Capital Systems LLC for Badcock is reporting erroneous information on an acct from XXXX. They are reporting this charged off account as if I currently opened this account in XXXX which is false. This was a charge off account in XXXX and acct was no longer reported as of XXXX. From XXXX to current I had XXXX to no collection from XXXX current. This account has not been reported in the past XXXX yrs. This account came off my credit in XXXX. I Bought a home in XXXX, 100 % VA approved $ XXXX. This Badcock acct was not on any of my credit reports at anytime during home buying and closing. I disputed this reporting with all XXXX credit bureaus XX/XX/XXXX with same documentation, XXXX and XXXX deleted it. XXXX is the only credit bureau reporting this account that has not reported in over 7 years. I am attaching my documents and also to show XXXX as well they did not report this count from XXXX to present. I want Jefferson Capital Systems LLC to stop reporting false information due to the company Badcock charged off account in XXXX and stop reporting. I want XXXX to remove it off my credit report immediately. My credit report is great. I have no problem in contacting SC XXXXXXXX XXXX XXXX XXXXXXXX as well.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX, 2022, i fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC from my Bank account to Coinbase at the instructions of the XXXX. 

On XXXX XX/XX/2022, coinbase response to my complaint with the below email Your Formal Complaint to Coinbase We are responding to a complaint you submitted on XXXX XXXX 2022, ( Complaint ) to Coinbase regarding a Coinbase customer who you believe defrauded you. 


Coinbase is investigating your report. However, we are unable to share any information regarding a Coinbase customer account without a valid, enforceable court order. 


Coinbase is very sympathetic to the situation in which you find yourself. We encourage you to continue to work with your bank to resolve this matter. Additionally, your local law enforcement may also be of assistance to you, including the FBIs Internet Crime Complaint Center ( www.ic3.gov ). Coinbase fully cooperates with law enforcement investigations. 


Coinbase considers your complaint closed. 


Kind Regards, XXXX Coinbase Customer Complaint Officer Please attached is the full details in a pdf letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.
Product: Vehicle loan or lease

A Letter was submitted to the XXXX XXXX XXXX on XX/XX/XXXX securities fraud in pursuant of securities XXXX XXXX and XXXX, TILA,12 CFR 201.108, UCC 3-104, UCC 3-603, UCC 3-602, 15 USC-1601 , 18 USC 8 and other laws pertaining to securities. Several phone calls requesting legal dept to call regarding my concerns and a recorded call XX/XX/XXXX and sent to voice mail, in pursuant of Equal protection clause of the 14th amendment, Article I section 10, FOIA freedom of information act, TILA. A certified letter Remittance coupon XX/XX/XXXX was submitted in pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( still in use ) and its provisions are codified under 12 USC and tile 31, Federal serve act XXXX and The board of Governors of the federal reserve system. a Third certified letter sent onXXXX and via email requesting, FOIA for full disclosure about the promissory note in question. No response other than the remittance coupon sent back. Though XXXX 1099 tax forms I believe have been used without my consent or knowledge. 
In addition to, Chase auto failed to follow the Regulation Z ( XXXX  ) model, ( though hidden ) but required by TILA. Many attempts have been made with complete disregard of my requests for communication, I was agreeing to pay however I needed clarification on my discoveries ( acquiescence ) in addition to multiple discussions with different customer service reps on remedy of past due amounts of the loan without resolution. This demonstrates a lack for transparency and compliance with federal regulations and raise grave concerns about potential fraudulent activities on many levels. further investigation is needed whether Chase Auto and its affiliates have engaged in fraudulent or misleading practices in regards to my promissory note and I am in pursuit of legal ramifications and damages form the undue stress. I will also be filing a formal complaint with the SEC.gov, office of the Attorney General and other federal and state regulatory agencies. Please advise on the next lawful steps to seek remedy. 
very truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies I was a victim of the data breach which any and all of my credit information has been exposed and Id like to have all negative items and inquiries removed as I did not authorize the use of my credit which was exposed unlawfully.
Product: Checking or savings account

Chime is false advertising their services. I disputed a {$100.00} charge. {$25.00} of it was refunded. I was told twice that I was going to receive a credit for the rest of the {$75.00} but now after calling in today for the XXXX time I'm being told that I'm no longer going to receive this credit and she transferred me over to the spot me department because she said I would be eligible for that until the credit came through. Then the spot me department told me that I am not eligible for the spot me even though I've been a customer for over 5 years and that I'm not eligible because of the state I live in. I've attached a thing from chime that says the requirements and it doesn't say anything about the state that you live in. They're false advertising services to get people to deposit more and more money into their accounts only to be rejected. I've had the spot near future before and it was just taking it away for absolutely no explanation as to why. As soon as my balance gets low and I can actually benefit from this feature, it is no longer available now.
Product: Debt collection

Requested validation letter that this company is authorized to collect this debt. The break down amount owed. Proof I own this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Subject : Complaint Regarding PHEAA Reporting of Student Loan Information Dear Sir/Madam, I am writing to lodge a formal complaint against the Pennsylvania Higher Education Assistance Agency ( PHEAA ), concerning the handling and reporting of my student loan information. This complaint is in reference to the collection account with reference number XXXX. 

My name is XXXX XXXX, and my personal details for verification purposes are as follows : Social Security Number : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX  The issues with PHEAA primarily relate to the incorrect reporting of a student loan account information to credit bureaus and the apparent violation of my rights under several federal regulations and acts. Specifically, I believe there have been breaches in the following areas : Family Educational Rights and Privacy Act ( FERPA ) : This act is intended to protect the privacy of student education records. I have concerns that PHEAA has not adhered to these privacy guidelines in handling my records. 

15 USC 6801 & 15 USC 6802 ( b ) ( c ) : These sections of the Gramm-Leach-Bliley Act address the protection of nonpublic personal information. I believe PHEAA has failed to safeguard my personal financial information adequately.

15 U.S. Code 1681s2 ( A ) ( 1 ) : This part of the Fair Credit Reporting Act obligates furnishers of information to credit reporting agencies to ensure the accuracy of the data they report. There appear to be inaccuracies in the information reported regarding my student loan account. 12 CFR 1016.7 : This regulation requires c
lear and conspicuous notice to customers about privacy policies and practices. I am concerned that PHEAA has not provided adequate notice or clarity regarding their policies and practices as they pertain to my account.

The mismanagement and incorrect reporting of my student loan information by PHEAA have led to significant personal stress and financial hardship. It has adversely affected my credit score and, consequently, my ability to secure financial services.

I request a thorough investigation into this matter and appropriate corrective actions to rectify any inaccuracies in my student loan account reporting. Moreover, I urge the CFPB to ensure that PHEAA complies with the aforementioned federal regulations to prevent such issues from occurring in the future.

Thank you for your attention to this important issue. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount