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

On XX/XX/2019, I submitted a request for a credit line increase on my +13-year Visa credit card with Capital One Bank , XXXX, Virginia. 

Today I received a letter in the U.S. Mail also dated XX/XX/2019 that the increase request was declined stating the reason as : " Your financial obligations reported to us by the credit reporting agency are too high. '' The XXXX  credit bureau file was cited as their information source. 

I accessed the XXXX  credit bureau file. When two statistically minimal errors are corrected, it indicates a 4.56 % credit utilization rate on {$320000.00} of available credit. Such " financial obligations '' are not " too high, '' but quite the opposite for too many individuals who maintain high credit card balances. 

When I called Capital One 's XXXX, Florida operation to protest the error stated in its decline reason, I was told by supervisor XXXX that there was no recourse in fixing Capital One 's blatant error. When I asked for clarification of this statement, they refused to provide it. 

When I called to Capital One 's headquarters, I was told Capital One has deleted its Executive Problem Resolution area and phone calls to an appropriate functional manager would not be connected. 

So what Capital One has chosen to do with its operating policies and procedures is completely suppress customer inquiries when Capital One creates problems and errors, then doesn't wish to resolve them. This is hardly good business practice, good consumer protection and certainly does not lead to retention of long-term customers in good standing. 
I deal with several other credit card companies and none of them, in +40 years of experience, have come close to displaying such intentional arrogance, dismissiveness and indifference to errors when a customer brings a blatant factual error to their attention.
Product: Mortgage

I fell behind on my mortgage and made an arrangement with my mortgage company, SunTrust Mortgage to have the funds required to bring my loan current withdrawn on XXXX XXXX, 2016 as I was to receive a bonus from my job. The funds were deducted on that date and my loan should be now in good standing. It has been two weeks now and the funds are in a suspense account at the mortgage company but my loan is still being reported as past due. Furthermore, l I began receiving correspondence from a foreclosure attorney as foreclosure proceedings have begun. I have been in contact with both my mortgage company ( SunTrust Mortgage Company, loan # XXXX ) and the attorney XXXX XXXX XXXX, XXXX with no one being able to explain what happened and what is being done to stop the proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Product: Debt collection

Subject : Complaint Regarding Reappearing Negative Account after Identity Theft Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with a negative account listing that appeared on my credit report. In XX/XX/scrub> 2025, I disputed a XXXX XX/XX/XXXX account ( Account Number : XXXX ) which was reported as a closed account in the amount of {$1700.00}. This account was initially deleted after I identified it as a result of identity theft. 

However, after the account was successfully removed from my credit report, I noticed that it reappeared on both my TransUnion and XXXX credit reports just one week later. The account is still being reported as a negative mark, which is unfair and inaccurate, especially since it was tied to identity theft. 

Additionally, for the record, my Social Security number has been flagged as part of a nationwide data breach, which further supports the claim that this account was not opened by me and was the result of fraudulent activity. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that this inaccurate and harmful information is permanently removed from my credit reports. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Please let me know if you require any additional information or documentation to process my complaint. 

Thank you for your attention to this matter.
Product: Mortgage

I was forced out of my job last XX/XX/XXXX. I applied for financial help after I found out my husband decided not to make the house payments. We were separated at the time. I had no income and was unemployed. I was approved up through XX/XX/XXXX. I reapplied in order to get an arrangement as I am now employed and want to keep my house. My husbamd and I have reconciled and now have more income to add in. While working with Wells Fargo on applying for additional payments, I received a letter stating i needed to pay over {$11000.00} by XXXX or I would go into foreclosure. If I am working with them on trying to make arrangements, I thought they were not supposed to be sending out letters like this. Also, I was trying to communicate with the employee who was supposed to be working with me on this. I called him on several occasions and left messages for him yet he never called me back to discuss any of my options. I am trying to do everything I can to pay them to keep my house but they wo n't work with me in any way and wo n't accept my money. I am at a loss on what to do, Wells Fargo wo n't even try to give me a chance now when all I want is to work with them.
Product: Mortgage

My mortgage was transferred from Ocwen, a very poor and customer unfriendly loan servicing organization, to PHH Mortgage Services in XX/XX/2019. I had been paying Ocwen via bank withdrawals from my account on the XXXX of each month. I received a notice, I think in XX/XX/XXXX, that our Ocwen account was being transferred to PHH and told that things would remain the same as with Ocwen. But in fact, the money that I had in my account for regular payment was not withdrawn, but just left there. So I mailed a check, for the first two months, the checks weren't cashed. When I called PHH they said that they would make withdrawals according to the Ocwen schedule, on XX/XX/XXXX. But they made the first one, maybe two, on XX/XX/XXXX. The funds were not there so they resulted in significant bank charges and of course PHH reported it as a late payment and assessed fees. I think it is straightened out now but with PHH one can never be sure. Like Ocwen, they live to assess fees and charges and do not communicate clearly. I have asked for a copy of my recent years ' payments and was told that they could provide nothing from Ocwen. It's as if Ocwen never existed. They will not provide online access to the Ocwen history, something that was always available when Ocwen was the servicer of record. What they have sent me is something that seems to be a record of my very recent history, printed in text so small that I can barely read it with double glasses. I need to purchase a magnifying glass to read these records which I waited two weeks for. In the meantime I have to deal with damage to my credit from their fallacious representation of our payment history.
Product: Debt collection

I have no knowledge of this dept. there is a court date for XX/XX/XXXX. Old debt apparently bought by a debt collector. Im a victim of identity theft XXXX XXXX had a breech & XXXX had a breech. Also they sent someone to my home and left the court notice at the door. Debt is from XXXX. Why should I have to pay for this if to a company I do not know ( Midland credit company ) discharged/wrote off the debt to a debt collector when I never signed a contract with them. Please help
Product: Vehicle loan or lease

On XXXX of XX/XX/XXXX my XXXX XXXX XXXX was stolen. I notified the police, landlord and Bridgecrest. They sold the vehicle and there was a surplus left over. I called Bridgecrest on the XXXX of XXXX and the XXXX of XXXX. I have not received any surplus payments.
Product: Checking or savings account

I created a dispute with Cash app on XX/XX/2023 for incorrect amount. Per regulation e, a temporary credit or resolution must be provided in ten business days. Today XX/XX/23 is day ten, they have not given me any updates or a credit and when asked are refusing to address or provide a status.
Product: Credit card or prepaid card

This complaint is in reference to ID # XXXX-XXXX concerning Capital One card services. Capital One is still giving me the run around in activating my credit card even though I am a current customer! I have been with Capital One for almost a year and my payments to them have always been on time. Someone named XXXX called me on XX/XX/XXXX at XXXX in the XXXX and he said that he would activate my card if I sent in the following documentation that I have ALREADY SENT to Capital One. I faxed them my state ID and my electric bill. When I called them XX/XX/XXXX to verify the service rep said that they did not have any of documents and that it would take two months to activate my card that I was approved for. Capital One are scam artists who are lying about their products. Why will it take two months to activate my second card when the first card was activated the same day? Capital One is disrespectful and dishonest and they have the worst customer service reps of any company that I have dealt with. PLEASE HELP ME!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt, and during this time, all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt, it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately. If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Thank you for your attention in this matter, XXXX XXXX XXXXXXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is Transunion. 

Credit score decreased XXXX points without any changes to the credit file. They have provided potential lenders with an inaccurate assessment of my account : Proportion of balances to high, revolving credit utilization, the utilization is at 0 % without any revolving credit. 

Too many accounts with balances, I do not understand this as 90 % of my accounts hasn't received a late pay dated since 2006. Payment history should be reflected as reliable and low risk. 

Serious delinquency, the creditor has failed to remove errors with the accounts via previous disputes, and medical collections listed should have been covered by medical insurance without any financial liability. However there is a XXXX XXXX account that was closed and excessively charged due to deceptive practices and unfair lending with great history. I haven't filed a complaint yet. 

A significant portion of these collections are very old and should have very little impact. 

They are not reflecting my credit report the same as other XXXX XXXX and I am being XXXX discriminated against in lending because of it. 

Lastly with thr amount of errors and inconsistency in lending slacross the board I demand for those inquiries to be removed as it was not a fair credit assessment and with all 3 reporting agencies. They need to correct the credit report and remove disputed items, and unauthorized inquiries and fraudulent accounts.
Product: Credit card or prepaid card

am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 
The accounts and addresses and inquiries below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One- Opened XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ $ addresses XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *** I HAVE XXXX TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 
Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information
Product: Credit card or prepaid card

My card was compromised with five fraudulent charges on XX/XX/2020 not limited to- {$510.00}, {$160.00}, {$69.00}, {$70.00}, and {$35.00}. I called Capital One Immediately when I saw the charges the following day, XX/XX/XXXX to address the fraudulent charges and get them removed off of my account. Fast forward to XX/XX/XXXX, I see the fraudulent charges posted back to my account saying that the charges were authorized by me, when they were in fact most definitely not my charges. After calling and asking why the charges were posted, and asking what I can possibly do to get them removed ( since they were not my charges ) again off my account, I was promptly told that nothing could be done ( after nearly two hours of hold time to speak to a representative ).
Product: Mortgage

When we first purchased our home we had a great lender, then of course our mortgage was sold like any other. Ever since XX/XX/XXXX we have had nothing but issues. This new lender paid too much for our property taxes and then it took forever to fix that and now it 's on I 'm going process of them trying to raise our mortgage when nothing has changed. I have verified with the county and also the home insurance and every source I needed to, to see why they changed our payment. They originally told us it was the interest that went up which is false because we have a fixed rate for 30 years. Then once I addressed that was n't the issue they stumbled upon finding a valid reason as to why it had gone up. I have been trying to contact a manager since XX/XX/XXXX and out of the 30 times in 6 months I 've called only one called me back. Then this whole situation was sent to the tax department and once again I havent heard anything. They keep giving me the run around and it has been fishy from the start. No valid reasons, no good answers, and definitely no solutions. The reviews for this company are horrible and I just ca n't believe this is happening. Loancare is the name of this horrid place and I am So exhausted from these people. There is no physical office I can visit to address this in person. I have all documents holding up the facts and they act as if I do not. There is plenty more detail but it is confidential.
Product: Mortgage

I currently have a mortgage with Rushmore Lending. In XXXX of XXXX my loan was bought by them. I originally had XXXX XXXX. I was in bankruptcy at the time the loan was sold. I am currently in my last year of the bankruptcy. All payment have been paid on time to the trustee office. 
Here is my issue. On the statements my amounts are not correct. I contacted the company and they gave me the run around. They sent me a letter in XXXX stating they would be sending me my escrow that is around XXXX dollars. Weeks went by and never received a check. I called and it was the same run around. Today XXXX XXXX I received a loan modification packet and it threatened foreclosure etc. 
I being researching this company and ran across thousands of other people who are having the same issue. I am a Veteran, mother, and a federal XXXX XXXX XXXXXXXX who cant loose her house. This company has me scared to death that I will loose my house. Im protected right now being in bankruptcy but what happens when I come out in XXXX of XXXX? The XXXX site has thousands of complaints with this company. We need this comps to be investigated. They are horrible! There is another who is actually fighting them in court for not applying over 80 payments to her account and going into foreclosure. 
I need help!
Product: Credit card or prepaid card

In XX/XX/XXXX the entire credit card fee was paid off in its entirety, however then I got an interest charge of XXXX which I do not agree with.
Product: Debt collection

I am filing this complaint against LVNV Funding for continuing to contact me after I issued a cease-and-desist letter. Despite my explicit request to cease communication, LVNV Funding has continued to report inaccurate information to my credit reports. 

The information they are reporting is false and inconsistent across all three major credit bureaus ( XXXX, XXXX, and XXXX ). I have verified that these discrepancies exist and that the information is not accurate. 

This behavior is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting immediate action to remove all false and inaccurate information related to LVNV Funding from my credit reports. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/XXXX I submitted to Upstart my identity theft report police report and sent them a valid copy of my ID. On XX/XX/2022, they sent me an email saying they completed their investigation on Loan ID : XXXX which is not the loan I asked them to investigate or file a report on. The results said that it was a valid debt which I am well aware of as that is my actual account with them. The account they were supposed to investigate was Loan ID : XXXX, they sent a follow-up email the next day saying they did investigate but that's not what was said or sent to me. I would also like to state that during a fraud investigation the account is supposed to not be reported on my consumer report during the investigation but it continued to do so. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.
Product: Mortgage

Nationstar Mortgage has refused to take my account off escrow because of a lapse in insurance coverage. I had Lender Placed Insurance! I asked them to provides me a copy of the insurance thy placed and they are mailing them to me. Attached are copies of my correspondence with them. It proves that I had insurance so they can take me off escrow now. They have lied and tried to deceive me since they acquired my loan.