23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello CapitalOne Team, Hopefully you will be able to assist in treating me like a valued and respected customer. I have had your cards in excess of a year +. 
XXXX card, I opened as a Secured card to help in rebuilding my credit and the other card, a Quicksilver - was a regular approved CL. 
Recently I had been asking about increasing my limits to more respectable limits and have only been told that : 1, I ca n't increase limits on secured cards ; that there is no longer a way to make deposits to the program. That only Capital One Proactively reviews accounts for good history and determines that a customer should be rewarded with additional money on the card account. That 's not a fair trade off to help improve ones position. 
2, that limits are granted every 5-6 months. 
Since I have opened these card accounts, I have been able to successfully improve my credit position, and have since seen approvals with other major banks, being XXXX and XXXX. 
My credit lines with these banks, have doubled/tripled what Capital one would even consider me for. Therefore my loyalty lies with using their cards over my CapitalOne cards, since the flexibility in those lines appeal to me more. 
I would like to have CapitalOne share in my sending and be able to be used more actively, but I ca n't do this with toy limits. 
I am requesting that you Proactively review my Secured-Line and increase that balance substantially, as well as my QuickSilver line. I would like a respectable amount of credit to be granted immediately.
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, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX # XXXX, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

XXXX sold my loan to " Mr. Cooper '' loans. I paid my mortgage on time to Mr. Cooper mortgage loans. I have proof of cancelled check, and their endorsement on the back of the check, and I have even called my bank and was verified it was paid. I have contacted Mr. Cooper loans and spoke to a customer service rep who told me to send my copied check to an e-mail address for them to get back to me about. I just received a typical, " we received you information and will respond in time '', response back. The only responses I am getting are phone calls from collections to my place of business, e-mails reminding me I need to pay my XXXX mortgage etc. and more e-mails asking me to go to their website and see letters telling me to pay my XXXX mortgage! I am being harassed for their mistakes!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of reported bankruptcy under my social security number. I asked for validation and proper supporting documents how this information was verified and was never provided the supporting documents why this entry remains and how it was verified. I included a letter from courts that specifically states they do not verify such with the any credit bureau. I ask for this entry to be deleted please.
Product: Debt collection

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; FCRA Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Furnishers of Information Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

An account is from XXXX XXXX is reporting under fraudulent status and false reporting information
Product: Credit reporting or other personal consumer reports

My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Transunion I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

This is a followup to my { Attached } CFPB Complaint # XXXX. 
The company { Southwest Recovery Services , INC } responded that this Collection Account will be REMOVED from my Credit Reports while proper debt notification/verification is conducted. I simply would like to know on what EXACT date will the Credit Reporting Agencies { XXXX, XXXX, and XXXX } be sent the REMOVAL action ( s ). This fraudulent Collection Account on my Credit Reports is holding up my processing of an important financial transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX CHAPTER XXXX BANKRUPTY DISMISSED XXXX US DEPED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} US DEP ED XXXX {$1700.00}
Product: Student loan

Navient has charged me excess student loan interest. I want to file a consumer dispute regarding this alleged claim. Please refer to the article below : XXXX XXXX XXXXXXXX
Product: Checking or savings account

I would like to open an account with XXXX  investing and I can not because PNC will not allow me to do so. PNC has no right to control how I spend my money and I feel they are restricting me from investing in my future with an account with XXXX. XXXX is an inexpensive way for me to save up money for the future. I would appreciate it if PNC would allow me to link up my account to XXXX   and start investing for my future.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt with TRANSUNION LLC to solve this situation. They are reporting inaccurate late payments and incomplete credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated immediately XXXX XXXX I respectfully request for the XXXX time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last XXXX years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( XXXX ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, be provided within ( XXXX ) days of the completion of your investigation
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The company is reporting Bankruptcy on my credit report and said they verified it they did not send me proof that it belongs to me, also who verified it, how it was verified after I sent a letter from the courts stating that they do not provide any credit bureaus with any information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Reason : Unverified Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gathered my recent credit report from all 3 bureaus : XXXX, XXXX and Experian and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and XXXX have the same date of last date payment XX/XX/2017. Now, Experian has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Product: Checking or savings account

On the XXXX of XX/XX/2024, I discovered several unauthorized transactions when I checked my account balance through my bank 's mobile app. Upon noticing these transactions, I immediately contacted my bank to report that I did not recognize four transactions. These transactions included two charges of {$2000.00} each and another two charges of {$990.00} each.

I initially thought that these transactions might have been repeat charges that would eventually be rectified. However, to my dismay, I recently received a letter from my bank stating that they have investigated these transactions and have deemed them legitimate. Consequently, my bank has debited these transactions from my account, resulting in a negative balance. 

I respectfully request that the Consumer Financial Protection Bureau investigate these transactions further, particularly those that were posted on the XXXX and XXXX of XX/XX/2024. There were two transactions on the XXXX and the same two transactions on the XXXX, which have significantly impacted my account balance. 

I would greatly appreciate it if you could look into this issue and assist me in resolving it as soon as possible. 

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

My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.
Product: Mortgage

My house had a foreclosure on XX/XX/2019 that I am thinking was illegal foreclosure. I have spoke with attorney we believe it was a break in the assignment. I need to be explain why Ocean LLC 18 forclosed on my hoe. I originally purchase the home for XXXX XXXX XXXX XXXX. I need to know the connection to Ocean LLC 14 I was going over the deed transfer my attorney don't see a connection.
Product: Credit card

XX/XX/year> I went to auto-zone with my wife to purchase parts for an automobile. In the parking lot was a XXXX truck with a bunch of signs about XXXX XXXX steaks for {$40.00}. She wanted to see what the deal was. This company XXXX XXXX was having a meat sale in the XXXX parking lot and the salesman spoke to my wife and told her all the ribeyes were sold out and he said he had a better deal and talked her into buying a box of meat valued at {$1300.00} for {$200.00}. The company took my credit card and used a device to scan my credit card and said I would receive a text message receipt from XXXX. 15 minutes after leaving I received a text message receipt for {$470.00} and my wife wanted to go back immediately and return the meat for a refund. The salesman said if I read the bottom of the text message receipt it shows ALL SALES ARE FINAL he said he would need to speak to his manager whos not in XXXX Florida but is located in XXXX, Alabama. I gave him the box of meat back and demanded a refund for being charged {$270.00} more than the {$200.00} he said it would be. He said he would do something that would be getting him into trouble with his boss and keep the box of meat and refund me the {$470.00}. He said the refund would take 5-7 days and I would receive a receipt of the refund. I never received the refund and I contacted the company over 20 times and they never answered the phone and never returned any of my phone calls. 5 business days after not receiving a refund, I contacted Citi Credit on XX/XX/year> and opened a dispute and Citi refunded my money and opened an investigation and the company responded to them saying I didnt follow protocol for the refund. Said I needed to mail the meat back to Alabama and I couldnt return it to the salesman in the parking lot in XXXX XXXX XXXX, FL. The merchants bank refused the refund so Citi Bank Credit reversed the chargeback and charged me because the other bank wouldnt refund them. They said they understand and read over XXXX negative XXXX reviews I submitted to them with similar stories to mine. Bait and switch, overcharged prices from what was told, refused refunds and said all sales are final. The owner of the company responded to my credit company stating they do accept returns but I didnt follow there exact protocol. Many customers left reviews on XXXX stating they shipped meat boxes back to them in Alabama within a few days of the purchase and they company refused to refund them. My issue is Citi Bank for not refunding me because they stated the other bank was refusing to refund them and my other issue is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX  ran by XXXX XXXX XXXX XXXX XXXX. Their website is XXXX. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear XXXX XXXX XXXX XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to Aldous & Associates and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.
Product: Student loan

I have been on the phone with Neltnet all XXXX. In XXXX, I asked them to send me my full loan payment history in the mail. They said they would, but it would take a couple of weeks. I never received the documents.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhaloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. 
I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer 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 card or prepaid card

My mother passed away recently ( XX/XX/XXXX ). Upon going through her mail, I found several credit card statements to my name for credit card accounts I never opened. I have been a victim of identity theft by a family member : my mother. As hard and sad as this is to say, my mother stole my identity and racked up a large amount of debt in my name. 
On XX/XX/XXXX, I went to the XXXX Police Department and filed the corresponding police report. My mother had been a XXXX resident since XXXX. I don't even live in XXXX. I live in XXXX. I only flew up for my mother 's funeral. 
The card statements I found are the following : XXXX. US Bank XXXX XXXX, dated XX/XX/XXXX, balance due : {$13000.00} XXXX. XXXX XXXX XXXX, dated XXXX/XXXX, balance due : XXXX XXXX. XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, balance due : {$4800.00} XXXX. XXXX XXXX, dated XX/XX/XXXX, balance due : {$2600.00}