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

In response to my compliant number XXXX dated XX/XX/XXXX re : not being able to access my accounts online with CapitalOne without first submitting my income, the matter was resolved ( thank you ) by CapitalOne advising that typing XXXX would circumvent the need to include my income. 

On XX/XX/XXXX, I received a letter from CapitalOne advising that because I was not " ..using a significant portion of the Credit line on your account,,, '', they were reducing my credit line in 1/2 to @ {$10000.00}. 

I 've had this credit card since XX/XX/XXXX and I have a checking, and savings account. They never tried to lower my credit limit prior to their XX/XX/XXXX letter. It just seems like more than just a coincidence that after my compliant, my credit availability was reduced but never before. 

I believe, as a result, my credit score ( as reported on CapitalOne 's credit monitoring service ) has decreased from XXXX to XXXX. The reasons given was a decrease in my credit use availability. The 50 % decrease in credit availability would cause the % 's to increase. Less credit available with same credit usage would result in a higher credit usage percentage. 

BTW, I pay my balance each month in full. 

All i am asking is to increase my credit limit to what it was before my complaint to the CFPB. I believe what Capital One is trying to backdoor the resolution by CPFB - when I ask my credit to be increased, they 'll require my salary be disclosed. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, Equifax and XXXX not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my Equifax report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
Product: Credit card or prepaid card

Since around XX/XX/2019 I have been trying to submit payment on my Costco Account with Citi Bank. On several occasions I have went online as well as called to make payment. Apparently when I was going online to make payment my payments were not being saved nor was my updated payment method. 

I have attempted on several occasions to contact Citi Bank and was given a general messages that I should call back later. Also when I have have attempted multiple times to pay online I would get errors from their online website. They use an automated calling system which I assumed was a telemarketing call. I ended up blocking the number because each time I would answer and hear a robot voice not a human voice. Come to find out it was City bank calling me to tell me that my payment was late. Again I had blocked the number as I do with many creditors because they are constantly trying to up sell me new loans. 

It is interesting though that they had my email and sent me email occasionally. More recently on XX/XX/XXXX they pitch me their online mobile app, between payment reminders. In fact every time I get an email notification I would logon when it would let me and attempt to make payment. 

My concerns : This creditor adverse reporting on my credit while they can not provided an effective online platform to submit payment. 

This creditor pitching credit service email with payment email and delay in email reminding customer of balance due. 

This creditor never sending written communication notifying of delinquent payment. 

This creditor using robo call methods to collecting debt in a world where ; I, the customer blocks such calls because of the problem with robocall abuse. 

My main concern is that this creditor benefits in charging late fees and negative credit reporting because their processes are inept. 

I have paid the late fees on a lousy {$60.00} annual fee for my Costco membership. For what its worth I have been a costco member for years I don't use their contract creditors much more than required for the annual membership fee. That said they  have changed their contract creditors maybe twice. City being the worst. 

My goal is to make certain that my credit is not affected by negative credit reporting. As far as the late fee I was inclined to pay so that I could close the account with XXXX balance. 

For what it is worth I have exceptional credit. In my opinion this Creditor has built a process that is so difficult to pay that they benefit from the late fee charges. 

I expect that any negative reporting be removed from this creditor. It would be wise to investigate to see if there is a pattern of difficulty submitting payment and excessive late fees. 

I was working with XXXX XXXX According to XXXX because of Citi bank and their delinquency it was more likely than not reported negatively on my credit. He made the excuse since I signed up with paperless reporting so they wouldn't have sent me a paper notification. 

I have exceptional credit I have never had such a hard time paying a {$60.00} bill.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting

XXXX accounts and XXXX address do not belong on my account I was not released from XXXX until 2013
Product: Credit reporting or other personal consumer reports

Walmart ran a hard inquiries 2 times
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : XXXX, Experian, XXXX, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( XXXX and Experian date is XX/XX/year> and XXXX date XXXX XX/XX/year> ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information.

Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information.

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to XXXX, Experian, XXXX, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Bank account or service

I bank with Chase Bank and use the ATM regularly for deposits and withdrawls. Their advertisement in XXXX on the ATM 's for several months past has been that you can deposit cash in the ATM until XXXX to receive same day credit. On XX/XX/XXXX I made a deposit of {$100.00} into the ATM to cover charges that had been made in my account ( @ XXXX XXXX TIME ). This deposit left me a positive balance. The next morning I had a text alert on my phone that my account was overdrawn, after further review, it appears I was charged XXXX {$34.00} fee 's for insufficient funds. I called the bank to understand why this happened and was told that my deposit was not submitted by XXXX EST ( which would be XXXX XXXX local time ). I was offered a refund of XXXX {$34.00} fee and was told I had to ask the branch for the other XXXX. My concern aside from the fee 's in this case is that there is a different treatment based on time zone. Someone in XXXX, has 2-3 hours more leadway than someone in XXXX to make cash ATM deposits to not get a fee. This is unfair treatment and segregation based on time zone. I would imagine this is a UDAAP concern and that is the reason for me bringing this to the attention of the CFPB since Chase did not understand my concerns for this desperate treatment. I am requesting all XXXX fee 's are refunded, in addition, I am requesting I be compensated appropriately for my time dealing with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. 

XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

Today I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ca . ( Re : XXXX XXXX XXXX vs XXXX XXXX ) informing me that I owe {$2600.00} to the XXXX XXXX XXXX. When I called they informed me that it concerns a debt owed by me that went delinquent in 2005, 13 years ago. To be honest I don't even recall this debt. Can this company try to collect a debt, real or unreal after so many years? Can they hurt my current credit rating which is excellent? 
I am also wondering about the legality of this company trying to collect a supposed debt that's 13 years old. 
Kindly advise XXXX XXXX
Product: Debt collection

Received a phone call from a representative of XXXX XXXX XXXX advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from XXXX XXXX XXXX, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for XXXX and they can not show us any proof of the loan. 

We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court XXXX times and now they are trying to foreclose and take our home. Please help us!
Product: Checking or savings account

I tried opening a checking account with Credit Karma through XXXXXXXX XXXX XXXXXXXX. I was told that my personal information could not be verified. I waited to chat with a support representative for over an hour, only to be told my information is not credible enough per US banking regulations. I have no problems opening an account from any other financial institution. 

When explaining this, the representative said they would forward the information to their team so they can work on the process but cant do anything to help me and Im out of luck.
Product: Debt collection

I am a federally protected, consumer. I am making this complaint against MIDLAND CREDIT MANAGEMENT MCM out of XXXX XXXX, California. I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party ( MIDLAND CREDIT MANAGEMENT MCM ) to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT to use or to be in possesion of any of my identifying information. This is a Violation of THE GRAMM- LEECH- BLILEY ACT . They are harrasing me via phone calls. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. I have sent them a notice to CEASE AND DESIST ALL contact pertaining to me XXXX XXXX. THIS is a 2nd NOTICED TO CEASE AND DESIST ALL COMMUNICATIONS PERTAINING TO ME XXXX, XXXX, WHICH INCLUDES FALSE CREDIT REPORTING! 
By MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR in WHICH THEY DO NOT HAVE. MY NON PUBLIC PERSONAL INFORMATION WAS SOLD TO THIS COMPANY WHOM I DID NOT CONTRACT WITH. 
THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Section 807 ( 15 USC 1692e ) which states that no deceptive or misleading practices, nothing unfair from a debt collector is to be done. 
NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY I BE AWAREDED { {$1000.00} } PER VIOLATION FROM MIDLAND CREDIT MANAGEMENT.. MIDLAND CREDIT MANAGEMENT IS FALSELY REPORTING TO MY CREDIT REPORT CAUSING ME PROBLEMS FOR HOUSING. 

I AM A VETERAN AND I DEMAND UNDER THE FDCPA THAT YOU MIDLAND CREDIT MANAGEMENT CEASE AND DESIST ALL ACTIVITIES WITH MY TRUST ACCOUNT XXXX XXXX AND SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING { {$5000.00} }, TO MY HOME ADDRESS XXXX XXXX XXXX XXXX MI XXXX. 
OR I WILL HAVE A CIVIL SUIT FILED AGAINST YOUR COMPANY FOR FRAUD. 
I DEMAND THE CFPB FINE MIDLAND CREDIT MANAGEMENT FOR ILLEGALLY COMMITTING FRAUD IN MY TRUST ACCOUNT AND HARASSING ME. 

AND IT IS SO UNDER GOD! 

THANK YOU IN ADVANCE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.
Product: Credit card or prepaid card

I was in business with a company, over a year ago I stop doing business and the account with the merchant. I realized they were still charging my card. I reached out to capital one and started a dispute they sent me documents to fill out and return which I did. They didn't take any action I asked to have that merchant blocked from accessing the account they not, tried to get the issue resolved with no solution they refused to protect the account. I had to freeze the account on my end so they can get to my account.