23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my Visa card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XX/XX/XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XX/XX/XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me, because of capitalone not giving the increase I have fallen way behind in my bills and struggling every day they have admitted several times by their top people and even in the response that they gave to me that I was told that I would get the increase after reviewing the recorded calls but that it was " False information '', but that they wo n't do anything to rectify the situation and that is just not acceptable I want my increase or I want for them to eradicate my debt from both my master card and visa card, because what they did was falsely advertise I also filed a complaint with the XXXX and it was marked against them negatively.
Product: Debt collection

On XX/XX/XXXX I went online to review my credit report. I noticed an account from Credit Collection Services located in for a {$240.00} Insurance bill. I did not recognize this account so I sent a letter to the agency requesting validation of this debt. I specifically asked for proof bearing my signature as I have been subject to identity theft in the past while away in the military. 

Credit Collection Services signed for the account on XX/XX/XXXX and immediately responded by sending me a bill with an address that I never lived nor do I recognize. 

I asked for documents showing proof of my signature that I actually opened an account for insurance with XXXX. I have only ever used XXXX insurance companies, XXXX and XXXX. 

This account is having a negative impact on my credit score. I have been turned down for loans because of this account. 

A bill is not proof that I owe this debt as anyone can gain access to my SS # and get bills in my name. 

Since I have sent this letter requesting the account to be validated or deleted, Credit Collection Services decided to place this on my XXXX credit report and my score took a tremendous hit. 

I will pursue this to the fullest extent of the law and even take actions to have a class action lawsuit file as I know a few people who have experienced the same issue with Credit Collection Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX after an ad online for " XXXX XXXX XXXX   XXXX offered free credit reports, I gave them all my personal information, including SSN and credit card, assuming it would only be charged if I wanted a membership. But I didn't sign up knowingly for a membership. Or is the charge taken out of my bank account from Transunion? Either way I never received a letter of transaction from the company except from my bank account. The amount taken out was {$19.00}. 
I did write to the customer service and asked for a refund due to " free ' not being free. 
They have not contacted me as yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM WELLS FARGO.
Product: Mortgage

Provident Funding recently became the servicer for the mortgage that was transferred from original lender who was XXXX XXXX.

Provident Funding has committed a slew of unfair and deceptive practices in loan servicing, debt collection, and credit reporting that affected me and most likely other homeowners nationwide.

Provident Funding has maintained incorrect and inaccurate information.

Provident Funding has failed to correct inaccurate information in a timely manner.

Provident Funding claims to have sent numerous notices, however the mailing address is not correct and therefore the notices were not received.

Provident Funding claims they have called and left numerous messages, however the telephone number is not correct and therefore the messages were not received.

The mortgage was paid every month on time and funds were deducted from the checking account automatically and transferred to pay the mortgage on the last day of each month. Provident Funding failed to transfer money that was paid to the account.

As a result of these unfair and deceptive practices in debt collection, the company has furnished credit reporting agencies with customer information it knew was inaccurate, and failed to correct inaccurate information in a timely manner and assessed a late fee of {$49.00}.
Product: Debt collection

CITIBANK MY CREDIT CARD COMPANY FOR BEST BUY, I AM A BIT BEHIND BUT I HAVE SPOKE WITH SOMEONE THE FIRST TIME THEY CALLED, BUT EVERY DAY I GET MORE THEN XXXX CALL PER DAY AND SOMETIME THEY DONT EVEN SAY ANYTHING. CITIBANK OUT SOURCE THEIR WORK SOMEWHERE IN XXXX OR XXXX YOU CAN BARELY UNDERSTAND THEM. BUT I TOLD THEM MORE THEN ONCE STOP CALLING ME MULTIPLE TIME I HAVE ALREADY SPOKEN TO SOMEONE. BUT THE MANNER STILL CONTINUE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent three credit report disputes to XXXX, XXXX and Equifax. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Product: Credit card

I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX, I filed a dispute with transunion for the unverified collections XXXX XXXX Account number XXXX. In these months, this unverified account isi still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Debt collection

I have received multiple calls in the past few months from alleged debt collectors. 
They are calling themselves XXXX " XXXX XXXX XXXX ''. They have called me from various different phone numbers in different states XXXX, XXXX, XXXX, XXXX, XXXX. They allege to have sent multiple collection letters, which is false. They refuse to give me information about the company and are often aggressive when questioned about the company. Additionally, they have threatened my credit by putting this bogus account into collections. 
They have my full name, full address, date of my appointment, and name of medical provider. I know I paid the amount in full that they are talking about but it is concerning that some group would be able to get all this information about my health history. 
I have already contacted my health provider and insurance company about this and I do not intend to pay this bogus bill.
Product: Checking or savings account

On XX/XX/22 I placed an order on XXXX for a product in the amount of {$370.00} and immediately decided to cancel and did and the cancellation was accepted but I was told that they would have to contact the seller before refunding my money. I cancelled the order before I received the confirmation! Once I was informed they would have to contact the seller I was dismayed because I know from selling on XXXX money is held in escrow, the seller has nothing to do with at this point. I contacted my bank, USAA and filed a dispute and received a temporary credit. Minutes later I received notification from XXXX that since I contacted my bank that they would not cancel the order and now my bank is about to take the {$370.00} out of my account and I didn't receive any products for the money as I did cancel the order. I'm now being informed that after careful investigation that an 'error ' didn't occur. This was not an error, XXXX illegally took my money and refused to refund it and now my bank is attempting to take it back. I cancelled my XXXX account and I'm in the process of closing my USAA bank account due to very poor customer service. I was on the phone for over XXXX minutes on XX/XX/22 and nothing was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts.

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with COMENITY BANK/AVENUE. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Incorrect name, address and my employer should be corrected to reflect the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an inquiry made by XXXX XXXXXXXX on XX/XX/year> was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my credit report with transunion for medical bills sent to collections illegally that were covered 100 % by my state provided insurance and this is illegal for them to even try to collect on it and effecting my credit adversely. 

Accounts : XXXX XXXX XXXX Balance {$620.00} Original creditor XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$570.00} Original creditor XXXX XXXX XXXX Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dispute of Inaccurate Information Request for Investigation Under the FCRA Dear Experian Credit Services I am writing to formally dispute the accuracy of certain information in my credit report. The items I am disputing are listed below : Item XXXX XXXX XXXX  Account Number : XXXX Item XXXX : XXXX XXXX  account number : XXXX Item XXXX XXXX XXXX  Account number : XXXX Item XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX Item XXXX : XXXX  XXXX, Account number XXXX XXXX Item XXXX XXXX XXXX XXXX, Account number : XXXX XXXX XXXX : XXXX  XXXX. 
Account number : XXXX Item XXXX : XXXX, Account number : XXXX Item XXXX XXXX XXXX Account number : XXXX Item XXXXXXXX XXXX XXXX XXXX Account number : XXXX Item XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these matters. In addition to the investigation requirements under 15 U.S.C. 1681i, please be advised that consumer reporting agencies are mandated to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681o ). Failure to adhere to these requirements may result in civil liability.

Specifically, I request that you : Conduct a prompt, full, and fair reinvestigation of the disputed items.

Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable. 
Provide me with written confirmation of the investigations results along with an updated copy of my credit report. 
I respectfully ask that you complete your investigation within the 30-day period required by the FCRA and provide me with a detailed explanation of your findings. If my dispute is not resolved to my satisfaction, I reserve the right to pursue any and all legal remedies available under the FCRA for any damages resulting from non-compliance with these statutory requirements. 

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Figure Lending regarding deceptive and unfair lending practices related to my Home Equity Line of Credit ( HELOC ). I believe their actions may constitute a violation of the Truth in Lending Act ( TILA ) and unfair lending practices under federal consumer protection laws. 
In XX/XX/XXXX, I obtained a HELOC from Figure Lending based on an initial appraisal of {$680000.00}. At closing, I was informed that I had to take the full loan disbursement but was assured by the loan representative that if I repaid any unused portion, those funds would be available for withdrawal in the future. Relying on this representation, I repaid {$25000.00} shortly after closing. 
In XX/XX/XXXX, I attempted to withdraw funds from my available credit and was denied. Figure Lending claimed that my home 's value had suddenly dropped to {$530000.00}, a nearly 25 % depreciation in just four months. This drastic and highly improbable change raises serious concerns about the legitimacy of their valuation process. 
In XX/XX/XXXX, I formally appealed the decision, but Figure Lending stood by their reassessment, which was based only on a drive-by appraisalan unreliable and incomplete method of property valuation. 
I believe Figure Lending engaged in the following deceptive and unfair practices : 1. Misrepresenting loan terms by assuring continued access to repaid funds, only to later deny it. 
2. Using an inflated appraisal at origination to maximize initial disbursement and later applying a questionable, significantly lower valuation to restrict access. 
3. Employing an unreliable drive-by appraisal to justify denying credit access. 
I respectfully request that the CFPB investigate Figure Lending and determine whether their practices violate TILA, UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ), and other relevant regulations. 
Please advise me on how to proceed with this complaint and any further steps I may take. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report.

Please reinvestigate these matter and delete items as soon as possible.
Product: Credit card

My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint # XXXX with you about Equifax on XX/XX/XXXX. The result of their investigation was a statement from Equifax on this site that I should call XXXX XXXX XXXX between XXXX and midnight EST XXXXdays a week. I have now called that number twelve times during the indicated hours ( three times on XXXX, three times on XXXX, three times on XXXX, twice on XXXX, and once today, XX/XX/XXXX. Each time I have tried to get a live agent, have heard a message, and then gotten a busy signal. I do not know how Equifax has dealt with my complaint because I am unable to reach them. I don't see how Equifax telling me to call a phone number whose line is always busy is an adequate response. 

The busy signal is not a problem with their phone system or staffing. Today I called Equifax 's " specialty department, '' which answered immediately, but could answer only regarding whether I have monitoring services with Equifax. 

The original problem, since XX/XX/XXXX, has not been solved. I have been unable to log into myequifax.com since then. My previous complaint, with two lengthy attachments, detailed my many hours of efforts since then to solve the problem, including most recently talking with a supervisor on XXXX. 

I will continue to file complaints until Equifax solves this problem. I have no problems with XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX on my transunion report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for transunion to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2021 {$6000.00} Its been XX/XX/2021 I have been Bringing paying on my profile and I have not yet received my card.
Product: Debt collection

XX/XX/XXXXI contacted XXXX XXXX XXXX concerning six accounts reported to the credit agencies without being submitted for remaining payment to secondary insurance. It is the responsibility of the provider to seek payment due from the insurance companies listed on file. They only reported to my PPO coverage with XXXX XXXX and was advised denied for no referral on file. The billing department at that time is supposed to reach out to obtain proper documentation to have claims Re filed and paid. Instead they never tried to get paid they immediately decided the balance owed is mine without submitting to other insurance on file. XX/XX/XXXX I contacted XXXX XXXX XXXX and my pcp at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The claims are being resent for processing and the XXXX XXXX Representative contacted all parties and advised will take two weeks to process and another 30 days for claims to reprocess and then secondary insurance will need to be notified of remaining balance owed to be paid by secondary insurance then if a balance is left I will be responsible for that balance. Since this is going on XXXX XXXX XXXX still have all accounts listed in collections knowing they have to wait for all claims except two to be processed. Two claims will be sent to secondary insurance XXXX XXXX assured for payment. Which at that time they are not allowed to bill a balance due to XXXX and XXXX regulations they are under a fee schedule. This should be removed from my credit until all processing of all accounts are complete.