23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> a claim was filed by CAPITAL ONE N.A. XXXX XXXX XXXX XXXX in the small claims court of XXXX XXXX, AL. On or about XX/XX/year> the case file was sent to mediation ordered by the Judge. On or about XX/XX/year> the court case was dismissed with prejudice by the Judge and to this date CAPITAL ONE N.A. is still reporting the account to the three major credit bureaus as delinquent and charged off. This is a clear violation of the Fair Debt Collection Practices Act. To date CAPITAL ONE N.A. has yet to honor my request to remove the derogatory information from ALL credit files. This has injured the consumer in not being able to obtain credit.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$6800.00}.
Product: Mortgage

I attempted an FHA Streamline refinance and rate reduction through my bank. My bank denied it as they said, FHA would not agree to keep a lien due to loan modification unchanged on the loan. at my banks suggestion I tried contacting FHA to ask them to agree. FHA referred me to HUD housing and urban development who I called, faxed and emailed my request for assistance but still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated as soon as possible for they are harming my credit. 
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 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 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: Debt collection

I have found an account from JEFFERSON CAPITAL SYSTEMS on my credit report that is in violation of the Fair Debt Collections and Fair Credit Reporting Act. I have filed a dispute with the creditor.
Product: Vehicle loan or lease

I was made aware of a rate change to my car loan in XX/XX/2021 by XXXX XXXX from 18 % to 18.3 %. I immediately called the company and asked why they changed the rate. They assured me that the rate was still 18 % and had not changed. I noticed on my bill that the rate had been removed. During my investigation into the matter I received phone calls from different companies offering to refinance my 18.3 % loan to a lower interest rate. I immediately contacted the company again about the raised interest rate. I was asked how did I know that the interest rate changed. I told them that XXXX XXXX monitors my credit report and they told me. They said that XXXX XXXX doesn't always tell the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX several times for it reporting incorrectly on my Equifax report over the past few years. After several attempts with Equifax the item still remains listed and is incorrectly reporting. XXXX XXXX has been removed from XXXX and XXXX reports for over six months. I have tried reaching out to the XXXX XXXX and they have failed to respond concerning this account. Equifax has not been updated on the credit report as they suggest so they are able to continue to report inaccurately. I would like this account deleted immediately as I have tried to have it removed for the past few months with no avail.
Product: Credit card or prepaid card

Same issue as prior to date with reissuing and purchases for personal use
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a dispute related to an identity theft case is taking longer than 30 days to complete and removal of inaccuracies. Account in reference XXXX XXXX ( please see attachments ). I am requesting that my credit profile is updated accurately within the next 24 to 72 hours and provide verifiable proof with records showing that this account belongs to me, If this information can not be verified I ask that my credit file with Transunion is completely updated and immediate removal of this account Thank you for your understanding and prompt action.
Product: Credit reporting

My current TransUnion report shows XXXX separate XXXX accounts. XXXX switched all customer credit cards on or about XX/XX/2016 from XXXX to a XXXX account. Yet, BOTH still appear on my report as separate accounts, with both showing a credit limit of {$18000.00}. This is in error. I only have XXXX account with XXXX, and it is now a XXXX account ( beginning with the numbers XXXX ). Please show the previous XXXX account as PAID ... or remove it entirely from my report. It is a duplicate account that does n't exist now, and the debt showing of {$11000.00} is not valid. My current balance is around {$10000.00} and is associated with my new XXXX account with XXXX.
Product: Debt collection

Spring oak capital claims to XXXX XXXX that I owe a debt from XXXX XXXX  XXXX  opened on XX/XX/2019. I never opened a card with this bank in XXXX  and Im disputing this debt, the statements they attached to the XXXX XXXX response has an address I never lived in, I never lived in the XXXX XXXX  XXXX and live in the XXXXXXXX XXXX XXXX XXXX and live in an accessible building since XX/XX/2019 on a XXXX XXXX which would make it impossible for me to have opened any cards at that address at that time period. Please remove this fraudulent account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity stolen.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I contacted Cash app, also XXXX XXXX, about a fraudulent transaction that was made in the amount of {$100.00} to XXXX. It was a payment I made for a product I never received. Cash App, also XXXX XXXX, refused to investigate it, stating that the payment was automatic and could not be reversed. However, pursuant to Federal Deposit Insurance Act, my account is insured {$250000.00}, per depositor, per insured bank, for each account ownership covered. Cash App, also XXXX XXXX, have denied me the right to investigate fraud related to my account according to the FDIC.
Product: Bank account or service

I have a Bank of America savings account. I submitted a single payment to my XXXX XXXX account. I incurred five separate overdraft fees which Bank of America was unwilling to refund.
Product: Vehicle loan or lease

The mini van was purchased at {$11000.00} XXXX doubled payments before the start of payments after the purchase on XX/XX/XXXX ; was lied to about down payment at {$2000.00} then it went {$3200.00} ( red flags ) The mini van was paid in full and repossessed in XX/XX/XXXX XXXXWe sent a letter emailed and mailed letting them know that that mini van was paid in full and there was no response ; but sold it immediately then put on our credit report repossession as though we did not pay for my vehicle They sent a letter out knowing full well they were paid in full to the old address but they came to my new address and stole the vehicle that we paid for. The amount they paid someone to tow it from my new address in XX/XX/XXXX in the amount of {$2100.00} that is also on the credit report.
Product: Mortgage

Between Customer and Quicken Loans 1 ) Customer : We received a letter from XXXX that stated the mortgage company was amended to quicken loans effective XX/XX/XXXX - there was no closing date set, and earlier correspondence only indicated target closing by XX/XX/XXXX. We've received this for our home insurance and earthquake insurance, and I've attached examples for both. Did the loan underwriter specifically ask for both our home insurance and earthquake insurance to be updated? 
Quicken Loans : We request these just because were paying off the old loan and establishing the new loan. 

Customer : There never was a closing date set that would have permitted the change to be set up, and our insurance company has flagged fraudulent activity and incorrect records. 

Quicken Loans : The closing date we have on file is an estimated closing date, as we move a little bit closer to getting this wrapped up and completed for you someone from our closing team is going to be in touch with you as to a good time and a good date to close! 

Customer Concerns : the loan still had not closed as of XX/XX/XXXX, at which point SafeCo insurance had reflected Quicken as the current lienholder for over a month, as requested by Quicken loans in late XXXX. 
Our insurance agent would be happy to speak further about their POV that this is fraud by quicken loans. 

2 ) Customer : Can you provide an explanation of where we specifically agreed in writing to allow credit to automatically pull again due to the timing lapsed in the loan? 
( credit was originally pulled XX/XX/XXXX XXXX Quicken Loans : The credit report that we originally had on file is valid for about 90 days, once the credit report has hit that mark then we must repull a new one and get the updated report on file. It looks like due to a recent credit inquiry on XX/XX/XXXX we were verifying no new debt or further credit was extended to either of you. 

Customer Concerns : The credit report is said to be valid for 90 days, but credit was re-pulled at 60 days. And we did not receive a clear explanation of where we authorized automatic credit pull in the future.
Product: Credit card or prepaid card

American Express is practicing unlawful business by closing accounts ( 20 years or longer ) when the customer is still making payments. They closed both accounts that I am still sending payments, not as they want me to, but still making some payments. Due to the hardship of the kidnapping of my child onXX/XX/, I was in very bad XXXX and unable to work due to this tragedy. I got a little behind on my payments but continue to pay some on both cards but they closed the accounts and ruined my credit score. I called them 3 times trying to get them to open my account and lower the interest/payment until Im able to retake my job and pay the set amounts but they refuse to help me. They sent me to a debt relief agency that claims to be part of Amex but still refuses to lower my payments. Now Im concerned that they will get a judgment against me but I m still making payments. They are taking advantage of customers that unknowingly and unaware of their practices signed a power of attorney giving up our rights as consumers which is illegal. 
They are refusing to provide me with the original signed application and a hard copy of my signature with full disclosure of their fees etc. They raised my interest to almost double to make it harder to even afford the minimum payment now. 
I need to have them remove the closing of my account /charged off because it really hits my credit score negatively and I won't be able to even rent a place. Please help us and protect us from their bad practices and scheme to deceive the consumers. They closed the accounts and transfer me to collections ( sold the debt ) when Im still making the payments last month. Both cards one ending in # XXXX ( XXXX XXXX ) and XXXX XXXX
Product: Debt collection

I am writing to dispute a collection account that was reported on XX/XX/XXXX, on my consumer reports. According to the reports, this account was opened on XX/XX/XXXX. However, I have no record of such an account, nor do I recognize this debt. 

To resolve this matter, I kindly request that you validate the debt and provide me with the original contract or documentation associated with it. I believe there may be an error or misunderstanding, as I have no recollection of opening such an account or incurring this debt. 

Please provide me with the necessary information to verify the accuracy of this claim. I am eager to resolve this discrepancy promptly and appreciate your cooperation in this matter. 

Thank you for your attention to this request.
Product: Credit card or prepaid card

In case the description below is all auto-formatted, with all spaces and empty lines automatically removed : Please see an attached pdf re-iterating the issue. 


Dear CFPB : Capital One as my credit card issuer refuses to follow MA state law, on multiple occasions : As per M.G.L. Part I / Title XX / Chapter 140 / Section 114C : https : XXXX If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. 


However, Capital One refused to provide a prorated return of two-thirds of the annual fee charged. 
According to their policy, only full refund is due within 45 days of the annual fee charged. 
In my case, I requested a prorated refund ( not full refund ), after 64 days : Affected account : XXXX card ( ending in XXXX ) Annual fee : {$390.00} Annual fee billed : XXXX, 2023 Account closed : XX/XX/2023. 

The following phone conversations were made with Capital One supervisors : Both of them have refused to provide annual fee prorated refund. 

Supersivor ID XXXX ( XXXX ), XX/XX/2023 XXXX Supersivor ID XXXX ( XXXX ), XX/XX/2023 XXXX. 


I thereby request : To provide an prorated annual fee refund for the {$390.00} fee paid. 
Fee paid over period : XXXX - XX/XX/XXXX = 64 days XXXX of the fee : {$260.00} ( 365 days ) Prorated over leftover 301 days : {$210.00} As a major lender for credit card consumers in MA, Capital One has to abide by the law of the state they operate in. 


Please contact me with any questions. 
XXXX XXXX Thank you in advance, XXXX XXXX
Product: Prepaid card

I have not been able to access the funds on my rushcard for about a week. I also receive a direct deposit every other week and that deposit has not posted this week it was supposed to post today XX/XX/2015. I have tried to contact the rushcard customer service on a daily basis only to be lied to and hung up on I am asking for answer please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX   ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX in XXXX, and XXXX  2017 to remove in accurate information.
Under the new law effecti e XXXX  2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 hard inquiries on my experian credit report that were to be removed. I tried to submit the dispute online but experian would not let me on to dispute the information. The first inquiry that was supposed to be deleted on XX/XX/XXXX! is XXXX XXXX the inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX Arizona that inquiry was made on XX/XX/XXXX removal date was XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx that inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX  XXXX XXXX XXXX XXXX XXXX Nebraska that was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX ny that inquiry was XX/XX/XXXX removal date was to be XX/XX/XXXX all of these inquiries are still reporting and have not been deleted
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving My Account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ), and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Ms. XXXX purchased her home located at XXXX XXXX XXXX XXXX XXXX TX on XX/XX/XXXX with the owner financing term. In XX/XX/XXXX, she purchased the property next to her at XXXX with same owner financing loan term. In order to pay faster she got a Home Equity Loan from Nationstar Mortgage to pay-off the previous owner 's loan. Ms XXXX had to ask for another Mortgage Loan to pay -off the previous owner of XXXX as well with XXXX  XXXX XXXX XXXX on XX/XX/XXXX not only to pay-off but to fixed up the property because it burned out proof attached. The Title company that did the closed paperwork never filed a DEED of Trust under XXXX XXXX 's name and they ever pay-off the previous owner neither, so they foreclosed the XXXX property. Consequently, the XXXX XXXX XXXX transferred the XXXX debt to the XXXX property and did foreclosed the XXXX homestead property on XX/XX/XXXX. but she wasn't evicted from that house since then. She continue making mortgage payments with high a SCROW rate. She can not claim Homestead exemption because is not under her name. She can not sell out the property. She XXXX year-old ILLITERATE  person. They took advantage of her and did a fraud to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency has a Bankruptcy ChXXXX from XX/XX/XXXX listed on my credit report. This Bankruptcy was a Ch-XXXX and should have been removed from my credit report last year after 7 years. I have disputed it twice with Equifax on XX/XX/XXXX & XX/XX/XXXX. They have refused to correct this error and I was denied a new car loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX {$210.00} XX/XX/year> account:XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACE 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reverse the above late payments and change them to CURRENT on my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the change of the above referenced account, and send out a free copy of my report after the changes have been made will result in illegal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regard, Your Name Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit card or prepaid card

I have noticed that when I make payments, Chase withholds some of the money from my available credit, making that withheld amount unavailable to me. 

In this situation, as of today XX/XX/2019, I have a {$34.00} credit to my account, meaning I should have {$430.00} in available credit, less any pending charges. I have {$98.00} in pending charges.. As a result, I should have {$330.00} in available credit. 

But I don't. I only have {$300.00} in available credit - when contacted to find out why, Chase states that my last payment of {$66.00} had not posted to the account ... but in fact their online banking website for my account shows this payment posted XX/XX/19 - yesterday. When I tried to explain that I needed to pay a bill with the full {$330.00} that I rightfully should have -- I was told that I'd have to wait 3-7 more days to speak with someone about it, and was hung up on by XXXX XXXX of XXXX XXXX when I tried to understand why there was a descrepancy with what I should have in available credit, and what they are allowing me.