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

Capital One accepted my company to open a business credit card with a limit of XXXX. XXXX year later we asked for and increase and they accepted to increase it to XXXX. A couple months went by, and they automatically increased my limit to XXXX. I've made all my payments on time and no late payments ever. I had some fraud with XXXX of the employee cards and they verified the issue and credited my account total about XXXX. Months later they froze my account because according to Capital One suspicious activity prompted an alert sometime in XXXX or XX/XX/2022 and they told me over the phone that they needed to verify my identity to move forward. They have this email link set up to upload a picture of my ID and I tried over XXXX times to upload the ID and their app would not accept it because of clarity issues. I offer to text it or provide personal information to a question that I choose when the account was opened but they would not accept any other way. Finally, I talked with a supervisor, and he asked me some questions and got my account back on trackXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told them that this can not happen again. Here we are in XX/XX/2022, and it happened again. Capital One told me fraud alert again and now they asked for XXXX, home address verification and ID. They stopped my text alerts to verify every purchase so I can no longer see what they buy with my cards on my mobile phone. I no longer trust that they know what they are doing and feel they are providing my documents to leak by sending them on an email thread. If they don't know who I am why did, they let me open a business account. I feel harassed, picked on and they are disrupting my daily business operation for no good reason. Every time I would see unauthorized transaction, I would call them to let them know. When they freeze the account, they don't let me speak of anything because they tell me they don't know who I am. I have the same phone number, name and business XXXX that I provided when I opened the account. How could the account owner be humiliated and harassed when the hackers get away with it with no issues. I sent them over my SSN card along with a home address verification letter and they said that my ID wasn't legible when another customer rep said it was fine and the other XXXX documents needed to be emailed in. I believe they are targeting me and my business for no apparent reason. I pay my bills on time and if they really don't know who I am why don't they question the payment when I send it in, shouldn't they reject it as well just like my purchases get rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is inaccurate and I have been violated.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Mortgage

My Loan with Nationstar Mortgage # XXXX was modified and my trial payments were on time, I received XX/XX/XXXX statement and my payments went down to {$1600.00}, I phoned the bank and after reviewing they said my escrow was decreased. I made XXXX XXXX payment. Than XXXX XXXX payment came again {$1600.00} was made. My XXXX XXXX statement came and they were requesting {$2100.00}, I called and they connected me with an Escrow specialist, who did not understand what was going on, she than spoke with her Supervisor who also did n't have an answer. I was told they would call me back on Monday, when the Specialist team gets in and they wld review and phone me back. I waited patiently and still no call. I called again and this time a XXXX XXXX XXXX was assisting me. He looked at the notes but did n't have an answer for me, again spoke to his Supervisor and he did n't have an answer. They said they needed to get the top heads on my case cause they were puzzled as to why my Trial payments were higher than my statement payments. Once again I waited patiently and no phone call. Everytime I call I I get someone else and I give name of person who was helping me prior and they never recognize the name because they have so many diff. dept. I called once again and the rep read the notes and told me there was no update on status, but she wld try to figure it out. She said I had an escrow shortage XX/XX/XXXX, mind you I had talked prior to my Town Assessor and they claim that the escrow did not go up that I had to take that up with the Bank. If there was a shortage like the rep claim, should n't all that be put into the Orig. Loan Modification? If so, than why am I the one being penalized for their mistakes.
Product: Mortgage

PHH Mortgage is charging us a late fee and saying we didn't pay mortgage for XX/XX/2018. 
We did pay. We always pay on time. We have bank statements that prove PHH Mortgage cashed our checks on time. The company is refusing to answer the phone or give us a live person to talk to. This is the second time they have done this to us among many, many other things. They lost our payment last year and we had to go through a big ordeal and have our bank call them to clear it up. It was long, drawn out, and ridiculous.
Product: Credit reporting or other personal consumer reports

Credit bureaus is reporting an account ( XXXX XXXX ) that was not opened by me or authorized by me. It is a fraudulent account. I submitted police report and ftc report. Company refuses to remove or block incorrect information.
Product: Credit card or prepaid card

I have expressed several times my discomfort with the company that manages apple card because they do not solve the problem of underregistration that causes a decrease in me. credit report, after insisting several times to solve the problem generated by themselves due to an improper charge they made for the amount of XXXX dollars and without authorization they returned that money to my account, money that was not mine because in my account only had XXXX dollars, money that belonged to the bank and that XXXX bank paid virtually, in the following days XXXX bank returned that money so that my account can remain in the real balance, months have passed and my apple card account continues to reflect a value that was not the real one.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report in XXXX and noticed an account showing inaccurate late payments. I contacted both companies ( Experian, XXXX ) requesting that the late payments be removed and the account updated. Experian and XXXX are reporting late payments on a Student Loan account that was in deferment. Reporting this incorrect information on my account is in violation of 15 USC 1666B.
Product: Student loan

I checked my credit score and saw Navient reported XXXX payments as being late in XX/XX/XXXX. They take payments out of my account automatically ( and have been since setting up a payment plan in XX/XX/XXXX ) so there is no way the payments could be late. Because they reported XXXX late payments my credit score went down by almost XXXX points! I attended XXXX University XXXX and graduated XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  )  XXXX ( XXXX )  XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK #  XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Product: Credit reporting or other personal consumer reports

I started to try to communicate with the company KOVO when I was notified that my credit score dropped by XXXX. KOVO reported that my payments were late. That was inaccurate. I tried to settle this amicably but to no avail that did not happen.

I called numerous times and emailed this company and those calls and emails went unanswered until I started threatening them with reporting them to the FTC. Even when I communicated with them ... they still did not honor their end of the agreement ; which was to fix my credit report.

At this point, I am still dealing with the fallout from this company and its inaccurate reporting.

I have attached documentation to support what I am stating with complete details.
Product: Consumer Loan

We went through a copy called XXXX XXXX XXXX for a pool loan. The total cost of the project was {$50000.00}. We did not have all of the funds and only needed a loan for {$15000.00}. When we started the process we were told it was unsecured and nothing will be attached to the property. 
XXXX sold the loan to Aqua Finance which is who I signed all of the loan papers with. I read the loan documents before I signed and nowhere did it say it they would file anything against my property via a lien or a XXXX filing. 
I am refinancing my home and was told they filed a XXXX on my whole property. I was concerned and called Aqua to see what was going on. I was told that 's what they do and have been doing that for ever. I asked them where in the contract I signed, it stated that they were filing a UCC on my property. They referred me to a section of the contract under Additional Provisions ( B. ) Security Interest. I read it and know where under that section did it say they were filing anything against the property. 
I spoke with XXXX XXXX Collection Manager for Aqua and he sent me the same document saying the same thing.
Product: Consumer Loan

i have been leasing a mercedes since XX/XX/2015. I make timely payments withcertified checks and the company keeps reporting me as late and I have sent them proof of payment and they never use it they always state it is returned. Very harassing and poor accuounting skills.
Product: Vehicle loan or lease

I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : SETOTOTA FIN DBA OF WOFC - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.
Product: Credit reporting

On XXXX XXXX, 2014 a XXXX account was turned over to a collection agency XXXX XXXX. I called this company and they said someone used my Social Security Number to open an account up with XXXX and this person lives in XXXX. XXXX. An address of XXXX XXXX XXXX XXXX XXXX XXXX also shows up on my credit report. This is not my account and my address. This issue is lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to make a complaint on XX/XX/XXXX because they have reported in accurate information on my account purposely.

I disputed the information on my account and asked for validation of the account.

The informationXX/XX/XXXXsent back shows that being deceptive in credit reporting is a normal everyday business accurance for them.

I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me. 

In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}. 

It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit. 
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019. 

This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month of XX/XX/2019. 

The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit. 

XXXX XXXX also stated in there paperwork that is attached on this complaint and labeled XX/XX/XXXX created amount. 

They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid. 

Was the total amount paid and they are trying to run a collections scam? 

Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws. 

The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}. 

Also according to the XX/XX/XXXX from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}. 

XX/XX/XXXX has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday. 
XX/XX/XXXX has had several chances to correct this information but instead has doubled down on being deceptive and being a bully. 

This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through. 

I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information.

I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior.

i have submitted this issue several times to XX/XX/XXXX and experian and they have verified it as legit even though they had access to all the informationXX/XX/XXXX sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, a security freeze was placed on my Equifax credit file at my request. The security freeze was indicated in my credit report when I accessed it in XXXX and XXXX. When I accessed it recently, in XXXX XXXX, the security freeze was no longer indicated. This is an error I never requested nor initiated removal of the security freeze. 

On XXXX XXXX, XXXX, I wrote to Equifax describing the error and requesting that the security freeze be reinstated. They replied on XXXX XXXX, XXXX, treating my letter as a new request for a security freeze and saying they could not act on the request without additional information -- information which was included in the documents attached to my letter. 

Copies of my letter XXXX with attached documents XXXX and Equifax 's response are attached to this complaint.
Product: Credit card

Around the first week of XXXX I tried using XXXX of my Bank of America 's credit cards and the transaction was declined. Then I tried using a XXXX Bank of America credit card and that transaction was declined. I called the credit card company customer service line and I got a lady with a XXXX accent. I recorded the conversation. She informed me that my cards were fine. After I told her about the transactions declined, she look into it more and said the accounts were suspended due to late payment. First of all I paid the XXXX account that was late on the same day they so called suspended it. The other account was never late as there was an auto draft on my checking account for its payment. 

I went into the branch on XXXX XXXX in XXXX to get further information the next day. I was informed that my credit cards were closed. They never once sent me any notice they were going to close my accounts. After talking with the rep she called the credit people and ask them to reopen my accounts as they were current. 

Today I when I arrived home, I had XXXX letters declining to reopen my accounts. In XXXX letter they claim they pulled my credit report which I specifically revoked any consent of doing so at the bank. This is a violation of the FCRA. 

I want someone from Bank of America to reopen my accounts and let 's continue to do business. 
The account numbers in reference are XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX Company # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXXXXXX # XXXX has violated my rights XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated my rights 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not reporting to any credit bureaus
Product: Checking or savings account

XXXXXXXX XXXX and early warning services have reported me and as I said someone fraudulently deposited a fake check into my account with XXXX XXXX XXXXXXXX they are trying to held me accountable for this action that was not made by me this is very unfair and unconvincing me to open new accounts and expansion for my business I feel like since Im a XXXXXXXX XXXX XXXX Im discriminated