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

Issue # 1 I have had several instances of receiving unsatisfactory customer service from the company. I contacted the company in XXXX 2019 about upgrading my card from a Gold to Platinum XXXX XXXX XXXX card which was completed eventually after receiving contradictory information regarding rewards from multiple representatives. The first representative told me that I would received XXXX bonus miles after I spend {$1000.00} in 3 months. When I spoke with a manager regarding another promotion I seen, she informed me that the promotion that the previous representative told me about was not available and I could get XXXX bonus miles after spending {$2000.00}. So then I speak with another representative who told me that the first promotion was available. I was also told by a representative during the upgrade to the card with the higher annual fee that I would receive a companion certificate in the mail ; however when it wasn't received, I called and was told that it's sent out each year at renewal. Which again was not communicated to me but I later saw in my agreement. I explained on my follow up call that if it was to be received at renewal then they should say that. I had a vacation planned that I was depending on the certificate for just to find out that I won't receive it until XXXX, causing me to have to purchase the tickets in another form. This call lasted well over an hour which is absolutely ridiculous, there is definitely some training that is needed.

Issue # 2 I increased my credit limit from {$1000.00} to {$2000.00}  in XXXX 2019. At the time that I upgraded my card, I also requested a credit limit increase to {$5000.00} since I was looking to make this my primary card where accepted. I spoke with a representative who informed me of my options. Option # 1 submit the request traditionally and receive a hard inquiry on my credit report. Option # 2 my account would be watched for 30-60 days to monitor my spending patterns and payment history and then a judgmental decision would be made. I chose Option # 2. I called back on XXXX19 to check on the status of my request since it was beyond the 60 day timeframe just to be told that there were no notes on my account and that Option # 2 did not exist.

I requested to speak with a supervisor who explained to me that the only way to receive a credit limit increase is to request it traditionally ( hard inquiry on credit report ) or to get a pre-approval offer of a credit limit increase. I am a customer who always pays my account on time, makes multiple payments per billing cycle just to maintain enough available credit to make purchases and to be told that there is no one available at the entire company who has the authority to increase the credit limit appears to be just another contradictory and false statement communicated by the company. I feel like the practices are unfair and resolution is needed.
Product: Credit card

On Monday XX/XX/year> I applied for the Walmart Credit Card with Capital One. A few seconds later I received an email from Capital One stating I was denied the credit card due to the following reason : there have been too many recent inquiries. I immediately called Capital One 's Credit Card Application Office requesting they provide additional information to this false statement. The representative stated that she would re-submit my application notating several points I gave her ( 1 ) I am a long time excellent Capital One customer for more than 20 years and have jumbo bank accounts and credit card accounts with them ( 2 ) I have excellent 800 above credit ( 3 ) I only had 2 hard inquiries on all my credit reports/bureaus and 1 of them was Capital One whom checked my credit without my authorization. In fact I only have 1 hard inquiry. 

There was no reason for Capital One to deny me ( a long time excellent customer ). I have concluded after this experience that Capital One is violating the Consumer Financial Protection Bureau laws by unjustly discriminating against me and who knows how many others for false reasons. I request the US government to keep tabs on Capital One 's practices and transactions.
Product: Student loan

In early XX/XX/XXXX, I filed a complaint against Navient because they refused to lower my monthly payments, even though my wife and I both have student loans to pay back and we have other bills we have to pay. Navient responded a few weeks ago, stating that they could not lower my payment and the calculations are correct that my monthly payment is around {$270.00}. I went to pay my student loan for this month, and my payment is now up to over {$300.00}. This is absolutely unacceptable and ridiculous. They swear up and down that the calculations are correct, and yet they raised the payment amount. This is fraudulent and criminal.
Product: Money transfer, virtual currency, or money service

Never could get a hold of anyone through cash app they took money off my app
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- Orange County sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit 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

On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports.
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information. Outdated
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint today to inform you that I have been a victim of fraudulent activity. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies must eliminate any items indicated in an identity theft report, reference number XXXX. Attached are documents to facilitate the removal of erroneous information and fraudulent items that have been incorrectly added to my credit report. Below is a list of items opened without my authorization : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX. Per FCRA Section 605B ( a ), the Credit Reporting Agencies are obligated to delete any consumer file items identified as stemming from alleged fraudulent activity within 4 business days following receipt of such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Debt collection

I lived at a location XXXX XXXX XXXX and moved the place i was renting from kept my security deposit because i broke my lease a month early. I checked my credit a few months ago and seen i owed a debt of {$680.00} for rent and I called to clear it up and got no response on the issue. So I recently checked my credit report on XX/XX/18 and seen that i still owe this amount when i was never notified by the landlord or his staff i owed any remaining rent balance or a judgement from the court. The original creditor is XXXX XXXX where i rented from. The collection agency is XXXX XXXX XXXX i contacted both yesterday and got no feed back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights
Product: Mortgage

My Reverse Mortgage is being Foreclosed on, because of no Property Insurance. The company sent me a Insurance policy XX/XX/XXXX and added it to my Line of Credit.
Product: Mortgage

In 2020 I was working 2 jobs. One was a XXXX XXXX  in a local XXXX  and one was a XXXX XXXX job in a local XXXX. Once the COVID lockdowns were put in place, I was out of both of my jobs. I asked my lender for a forbearance due to myself having no income. My lender refused, I filed a complaint with the CFPB, complaint number XXXX, and my lender agreed to give me the forbearance in XXXX - XXXX. They then allowed me to extend to XXXX XXXX, 2020. After XXXX they cut me off and refuse to let me extend the forbearance. My income is down due to people still being afraid to go out to eat causing me to get less shifts. I have inquired via internet and VA loans should receive the 360 days under CARES. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Address XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Charge-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX  Account 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: Checking or savings account

I am writing to address issue regarding my funds, which have been placed on hold due to an incorrect payee name associated with my account. 

When I set up my account, the intended payee name was supposed to be " XXXX. '' However, it seems there was an error, and my business name was listed as " XXXX, '' which was the name of my XXXX store for only XXXX days in XXXX before I officially changed it to " XXXX. '' In XX/XX/XXXX, several XXXX deposits were sent under the name " XXXX, '' which unfortunately flagged my bank account. As a result, my bank closed my account and placed my funds, totaling {$64000.00}, on hold in suspense. 

To resolve this situation, I kindly request a document stating that the payee name error originated from your end. Additionally, I would appreciate confirmation that you authorized the funds to my account.
Product: Debt collection

XXXX says I owe them XXXX $ for bill at house I haven't lived in for 5 years and even than most of the bills were in my mother 's name
Product: Credit reporting 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, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am disputing the late remarks on this account because the account was opened and used fraudulently without my knowledge or consent. I believe this account was a result of identity theft, and I did not authorize any transactions or account activity. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Correction to my report, I demand these late payments be removed from my credit report
Product: Debt collection

Received letter from Brown & Joseph LLC as debt collector of debt owed from XXXX XXXX XXXX for {$35.00} as of XX/XX/XXXX. Reference # XXXX Brown & Joseph only offered phone XXXX or www.brownandjoseph.com as contacts On XX/XX/XXXX - I accessed the website and sent an email via contact on website. 
On XX/XX/XXXX - after not receiving any information, I called at XXXX XXXX, and was rudely treated and told they have no details and I needed to call XXXX XXXX XXXX  directly. -- - How is that? They are trying to collect a debt they have no information on -- Bogus company? 
On XX/XX/XXXX - ~noon est I called XXXX XXXX XXXX - Customer Service with number provided by Brown & Joseph XXXX XXXX XXXX and was told there is no outstanding balance. My last charge was XX/XX/XXXX and charged via credit card and paid. 
She did say I could follow up with Oriental accounting dept via email -- I will not be doing that. 
On XX/XX/XXXX - Immediately following my call with XXXX XXXX XXXX, I called back to Brown & Joseph, the call was answered but open line with people laughing and some swearing in the background before someone actually addressed me on the line. Then rudely had me wait as they 'looked ' up the account again. I hung up. I believe this is a bogus, 'store front ' to see who will send money. 
I don't know if someone internal to XXXX XXXXBrown & Joseph have a scam going on but I will not be communicating with either anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on EQUIFAX, XXXX AND XXXX CREDIT reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 or other personal consumer reports

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid my Amazon Credit Card on time every month. At this point, I have a credit of {$92.00} that I never received. My credit card was closed. The customer service represented that I had XXXX checks that did not clear the bank. I had a checking account with XXXX XXXX that direct deposit to Amazon. I discontinued the direct deposit and paid Amazon directly. However, the XXXX XXXX account still was sending Amazon payments without any funds. In XXXX, I stopped the payments from XXXX XXXX. 
When I contacted XXXX XXXX XXXX XXXX, that stated that it was a mistake that the bill pay account was still being used. 

My account was never delinquent and I have a credit of {$92.00}.
Product: Checking or savings account

This has been going on for so long I am not even certain anymore of the start date. But according to their record, I i initially reported this on XXXX. So it's been almost a year of this. It began with a dispute over 2 transactions taking place in Indiana. One at what I believe to be a convenience store, the other, an atm. In no way do these transactions match up with any behavior found on my account, easily seen. They were given evidence, and made aware of the theft of my identity, and a plethora of more data. The evidence they supplied regarding these disputes is a single page pdf, with assumptions, not clear evidence regarding why the amount of money I did not authorize being taken was denied being returned. I've supplied hundreds of pages of legal paperwork, while they have only supplied the same single page pdf, and also sent a pdf regarding another dispute that invalidates their information regarding the physical possession of my cards, and personal data, upon which they falsified that I was in possession of my card. Even though I sent them evidence from another company proving other instances my identity, and chime card, for that matter, were used. I was at a federal holding facility, and can easily prove what I was released from that facility with, no cards or phone is on the property form. I have reopened the dispute a multitude of times, called more than 50 times, and they have no file, no record, nor any copies whatsoever of any information sent. The amount owed has changed, they tried to use falsified IRS documentation, stating my IRS data didn't match the account, which is a complete fallacy, to attempt to close the account, without even notifying me. I can prove beyond a doubt, that I did not make these charges, and the company is denying the fact that my fighting this, were they able to prove it was me, would put me back in prison, as it would prove I absconded to Indiana, without Parole permission. There is an insurmountable amount of evidence proving deceptive business tactics, they blatantly ignored what was stated in a XXXX complaint, and wrote a response having nothing to do whatsoever with my claim. This has all turned into a ridiculously lengthy and convoluted battle, and I am not the first this has occurred to. There's literally thousands of examples of their tactics, plastered all over the internet. This is, and has turned in to, blatant fraud, and has cost me more than what is owed, in hardship, and time. I have not once spoken to anyone representing the actual organization. Only looped between customer support, over and over, 7 times in a single call, at one given juncture. Your system for uploading evidence is tough at least, but at command I can provide a far better cross section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One I applied for a credit card online and it has affected my credit scores. I was not told this in the disclosure and never told that this was going to be a hard pull vs a soft pull. No transparency at all. I asked for a deletion and they told me they weren't credit counselors and nothing I could do about it! XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX