23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to express my ongoing concerns regarding Capital One 's refusal to raise my credit limit, despite my long-standing relationship with the company and my strong credit profile. I have been a loyal customer for over 20 years, yet my credit limit remains at {$1500.00}. 

My current credit score is above XXXX, and I have maintained a history of timely payments with no delinquencies. Given these factors, I find it perplexing that Capital One has not considered increasing my credit limit. I have previously submitted complaints regarding this issue, but unfortunately, I have not received a satisfactory resolution. 

The inability to increase my credit limit is particularly concerning as it affects my overall credit utilization and longevity. This card represents the longest credit account I have, and maintaining it is crucial for my credit history. I am reluctant to close this account, as it would negatively impact my credit score and history. 

I am reaching out to the CFPB in hopes of receiving assistance in resolving this matter. I believe that customers who demonstrate responsible credit behavior should be recognized and rewarded with appropriate credit limits. 

Thank you for your attention to my concerns. I look forward to your guidance on how to proceed. 

Sincerely
Product: Mortgage

I have contact Amerihome on numerous of occasions & still no resolution. Since, Amerihome is not processing payments properly, they have now reported to the Credit Bureaus as late. By Amerihome, doing so this is affecting my XXXX XXXX and I can not obtain certain service to maintain the home. Failure is on Amerihomes part for not properly responding to letters, faxes, e-mails, calls, not properly researching the account when requested, failure to properly process payments, Customer Service & other depts. failure to provide an explanation, dept refers to contact another dept or send in a fax and failure of properly assure correspondence is received in a timely manner ( i.e. sending out days/weeks later of the letter dates, mail never received on important matters, etc. ). 

Since there is quite of bit of correspondence, I either email, fax or XXXX priority mail to CFPB.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax, has admitted that/ was in fact a victim of this data breach and Equifax has done nothing.
Product: Credit reporting or other personal consumer reports

to formally dispute the late payment charges that have been applied to my account. In accordance with my rights under 15 U.S.C. 1666 of the Truth in Lending Act, I am providing this written notice to request an investigation and correction of these billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account TD BANK USA/XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that TD BANK USA/XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

Citibank, u sing information from when I opened an  XXXX   XXXX  card through Costco, opened  a Citibank  account without my permission ( when  Costco swit ched from using  XXXX  to  Citi ). The y then charged money to this account, without authorization, to continue a  Costco memb ership ( that I did n't wish to keep ). They then continued to charge me late fees for this debt that I never authorized.   I do n't wish to do business wit h Citibank, and t hat 's my choice as a consumer. They have no right to force me to do business with them, much less put debt on me that I did n't authorize.
Product: Credit reporting or other personal consumer reports

delete hard inquiries XXXX XXXX INQUIRIES en Experian : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRIES en XXXX : XXXX XXXX REPORTING XXXX XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX. XXXX XXXX inquiries en XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 .S. 81 ser hase i. States have the right to privacy. 
XXXX a XXXX XXXX XXXX XXXX stales a consumer reporting agency can not 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any comator sintinguiny if the person knows or has reasonable cause to believe that the Delete the accounts below :
Product: Vehicle loan or lease

Last XXXX  I called US Bank ( approx XXXX ) as I was unable to create an online account. I was escalated after being told my personal information was incorrect. I was told it would be corrected. 
Last Saturday XX/XX/2024, I called to ask if I could have a due date change as the pmt is too close to my mortgage. Rep said she could not service me because I was giving her an incorrect date of birth. 
I was told to go to US Bank with an ID or call the dealership. 
How did US Bank approve a loan with an incorrect date of birth? Why am I being penalized and unable to do anything except send them money?
Product: Credit reporting or other personal consumer reports

I requested debt validation and proof of this collection agency being licensed to collect on this debt in XXXX  XXXX DC on XX/XX/year>. That information was never received. Furthermore, this collection agency is not licensed to collect on debt in XXXX  XXXX DC.
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX collecting a debt of XXXX XXXX XXXX dollars. After reading this letter, I called their number to find out that I have not made a payment on a Victoria Secret transaction. I was unaware of this charge since I never received a bill in the mail. 
I then called Victoria Secrets customer care line. I talked to XXXX, who told me that I had made this transaction on XX/XX/XXXX of XXXX dollars. I asked him to inform me where this bill was being sent. He said that he was not authorized to tell me that information. However, he did tell me that the address that I provide him was not the same address they had on file. 
After ending the call with XXXX, I called XXXX XXXX XXXX to talk to XXXX XXXX. I asked him how they were able to send me this debt collection to the correct address when Victoria Secrets had been sending the bill to the incorrect address for seven months. 
Victoria Secrets had not been sending the bill to the correct address, they had not tried to reach out to me via phone number that has not changed. If they were to send me a bill to the correct address or tried to reach out to me in any way I would have made the payment in full like I do all of my other bills. 
By sending this complaint to you I am hoping we can resolve this issue in a reasonable matter.
Product: Consumer Loan

Springleaf XXXX local office has taken out Hard Inquiries that were not authorized by me, amazingly 2 months apart - XXXX 2014 and XXXX 2014 - which is very stupid. 
I have not received any correspondence on these Inquiries concerning rejection. 
For my XXXX payment, of {$300.00}, they have only credited me with a payment of {$300.00}, with no visible reasons on the Springleaf website or correspondence of receipt. 
My receipt information shows a check of {$300.00} through XXXX XXXX Transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XXXX MASTERCARD Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX AR XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/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
Product: Credit card or prepaid card

PayPal overestimates foreign exchange costs, takes the money from my account and then will not return the XXXX  post transaction. I have tried to get a refund and can not get one and I am being pressured to add more funds or open a credit card to use my balance. There is likely XXXX  of dollars that have been collected this way. I have asked for almost TWO years for a refund or the ability to use my money balance.
Product: Credit reporting or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Student loan

I have a private loan through Sallie Mae, now XXXX. I acquired the loan for my semester starting XX/XX/2010. They lied, from the very beginning and being a young and impressionable kid, I did n't know any better. They told me my variable loan would n't go above 6.9 % interest when i signed, it is now at 10.25 %. ( I now understand the difference between fixed and variable ) I tried to get my co-signer released multiple times, and was told at least 2 of those times they " had n't received my fax in regards to my income/XXXX etc. when i had the fax confirmation etc. ) Just overall constant run arounds with their services. I called 2 years ago asking for an income based repayment plan or interest rate reduction because it was at 9 % then and got bounced around multiple times, was told to call back in 2 weeks so they could " get things in order, in regards to my finances etc. '' I called back in 2 weeks, that person, XXXX i think? switched departments, I then had to go over my whole situation again, although I only got halfway through when the customer service agent cut me off mid sentence saying " Well your mother is a co-signer, you should just let her pay. '' I was never so irate or upset, and had n't called back for a year after. Tried to get her released again a year later, submitted XXXX 's etc., got the fax confirmation, I know it was the right number, etc. and they still tried to give me the line " they had n't received it ''. I 've been waiting for a lawsuit with this loan service and my prayers have hopefully been answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX XXXXXXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXX XXXX XXXX  ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Checking or savings account

My BMO Checking account was overdrafted on, XX/XX/year> by a recurring monthly charge of {$510.00}. BMO paid the overdrafting charge and applied an overdraft fee of {$15.00}, putting my account into a balance of - {$130.00}. I was notified in writing of the overdraft charge and fee on XX/XX/year>. On XX/XX/year>, I deposited my biweekly paycheck from my employer for {$3100.00} into my BMO Checking account via mobile deposit and received an email confirming the deposit. I received an email confirming the mobile deposit was approved on XX/XX/XXXX. I successfully logged into my online banking account and could see the new positive balance with the full value of the check minus the initial negative balance on XX/XX/XXXX. I called the BMO Customer Service phone line to request the removal of the {$15.00} overdraft fee as a one-time curtesy on XX/XX/XXXX at XXXXXXXX XXXX MT. The customer service representative could access my account, saw the charge, and approved the fee removal, but on attempting to remove the overdraft fee my account was locked, my online banking access was locked, and I was transferred to the fraud department phone line. The BMO fraud department agent informed me that the account was locked for suspected fraud and I would need to wait up to 30 days to receive my deposited check funds, and the call was concluded within 18 minutes from my initial call to the customer service line. I went in-person to the BMO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX after XXXXXXXX XXXX on the same day ( XX/XX/XXXX ) and spoke to the branch manager on duty. I presented the physical check which I had deposited via mobile deposit and the paycheck stub from my employer. She called the fraud department phone line and informed me they had flagged the check for fraud due to the appearance that it had been altered. I was informed there was nothing else they could do for me, nor could the check be cancelled and reissued by my employer for me to deposit in person with another bank. They provided me the phone number for the fraud department. I called the BMO fraud department on XX/XX/year> after receiving no further communication regarding my frozen account or funds from the check and still being locked out from logging in to my online banking account. I spoke with another agent who provided no explanation for the lack of written or proactive correspondence from the bank, suggesting that the verbal communication I initiated was sufficient. I was informed during this conversation that my case had not been assigned to an investigator with the banks fraud department, but I would receive a call from them once they had received my case and begun investigating the allegation of a fraudulently altered check. As of today, XX/XX/year> at XXXX XXXX I have received no written or verbal communication from the bank or their representatives since the last conversation initiated by my call on XX/XX/year>, and I remained locked out of all online banking and checking account access with BMO.
Product: Debt collection

Received another letter from XXXX XXXX, XXXX dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my PayPal account. I do NOT have a PayPal account. I have received previous letters in XXXX and contacted PayPal to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.
Product: Checking or savings account

Goldman Sac Marcus is the company. I have close to {$220000.00} on a 10 Month CD. I signed up on the CD on XX/XX/XXXX with a lady named XXXX. She made up sign paperwork for the CD. She never advised me of a Federal witholding backup. At XX/XX/XXXX, when I got the statement it stated Goldman Sacs Marcus was taking out 24 % Interest I made for XXXX. I called on XX/XX/XXXX and was told it was a IRS problem. I was getting the runaround. I called on XX/XX/XXXX spoke with XXXX, she said it was a signature card problem, I selected federal witholding backup a 24 % .I would never select this. She advised she would send out a signature card express so we could fix. I had no idea that when I got the statement they taken out {$220.00} from my account. XXXX never did send the signature card out. Also, I had called on Sunday the XXXX. They were clueless. I called on XXXXXXXX XXXXand spoke to XXXX, She advised no signature card was ever sent. She advised no refunds are given, I had to call withing 30 days. I was checking my account every day in the month XXXX, and there was no FEDERAL witholding on my account.. I want my money back for the month of XXXX and so far for the month of XXXX Plus Interest. XXXX said they keep the money.
Product: Debt collection

XXXX XXXX Account XXXX XXXX XXXX  account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXX.credit bureau changed the removal date 2times..Please delete account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, CAPITAL XXXX AUTO FIN XX/XX/XXXX, CAPITAL XXXX AUTO FIN XX/XX/XXXX, CAPITAL XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, COMENITYBANK/KAY XX/XX/XXXX, COMENTIYBANK/JARED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX BANK NA XX/XX/XXXX, CREDIT XXXX BANK NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, NCCINC/CHAPMAN XXXX OF XX/XX/XXXX, NCCINC/CHAPMAN XXXX XXXX XX/XX/XXXX, ONEMAIN XX/XX/XXXX, XXXX XX/XX/XXXX, P XXXX XXXX C U XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,