23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Capital One Venture X card was closed overnight without explanation. I noticed when logging into Capital One that it said This account is Restricted. I called Capital One and they told me my account is in the process of being permanently closed. They refused to provide any information. I have not done anything to violate Capital One policy. They said a letter will be sent to the address on file, but Im not in the United States and therefore can not receive this letter. I was informed my {$390.00} annual fee will be refunded since it has not been 39 days since the fee was charged to my account ( XX/XX/XXXX ), but I did not receive my anniversary XXXX points, I have unused travel credit on capital one travel, and they informed me that they have redeemed my points for XXXX % of the value as statement credit, which I did not agree to. They couldve redeemed as cash back for travel purchases at a minimum since I have plenty of eligible travel purchases. I did some research and can see that this is not an isolated incident. Hundreds if not thousands of people have been the victim of capital one closing their cards without explanation, often just after the card anniversary and payment of annual fee. Before I get emotional and file a claim/arbitration or contact an attorney or investigative news outlet, I want a chance to speak with a member of the executive office of Capital One to confirm if this is a mistake and if my account can be reinstated and if all of the financial damage can be prevented. I find it beyond unreasonable that a credit card company would close a customers account overnight without any notice. I have never made a late payment and have never violated capital one policy.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately
Product: Credit card

On XX/XX/XXXX I paid the total balance of my ALLY credit card bill online - XXXX The next day, XX/XX/XXXX, I checked on the card and saw that there were no pending payments so I ( mistakenly ) paid XXXX again! 
When I checked later that day, on XX/XX/XXXX, I again saw no pending payments so I immediately tried to cancel my second payment. It would not cancel online, so I called them. It was XXXX on a Friday night. I was on hold for an hour before I spoke to customer service, who informed me that since it was past XXXX they could not cancel or credit my second payment back to me! Now I had to wait for a hard check to arrive in the mail - XXXX business days. 
I resigned myself to waiting for that check. 
XXXX business days later ( XX/XX/XXXX ) I still had not received a check. I called once again - waited another hour (! ) to get another customer care associate, who seemed surprised and said she did not see a refund check request in my file! 
She said she would request it to be expedited. This morning I called to check on the status of my refund and after another 80 minute wait, I was told checks can take 30 days!! So I requested a supervisor and am currently on hold - again - waiting for someone to answer the phone and help me. This feels very unethical and I decided to file a complaint with you so that I will not keep getting the run around from this company. 
I am happy to provide you with my account information and a screenshot of my negative balance. Please advise.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks
Product: Debt collection

I have a debt that have been on my credit for 7 years. However, New York states statute of limitation was ruled 3 years for a debt collection in 2022. I tried to remove this collections from my credit and the issuer refused. Please enforce the law pertaining to the New York states laws due to the fact this collection takes place here.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX, and Experian, alleging systemic issues, such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses and failing to notify consumer of dispute outcome. These failures align with my experience when XXXX, XXXX, and Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputedaccounts as XXXX, XXXX, and Experian inaction violate the federal law and my rights as a consumer.
Product: Mortgage

XXXX XXXX XXXX who works for Dominion Capital Mortgage Inc. located at : XXXX XXXX XXXX XXXX XXXX XXXX VA. XXXX emailed me and offered to refinance my mortgage at a lower rate. I contacted me and after a couple of days indicated that my application was approved and charge me {$450.00} for appraisal which I paid. 

Few days later he indicated that he sent my application to underwrite to finalize it. 
After few days he called and told me that the bank turned down my application for not having enough to be qualified for loan. 

I asked him to credit my credit card, he refused to do it. My complain is, if you could not get my application approved why you order appraisal.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : *Pay off Disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Police XXXX / Account # XXXX XXXX. XXXX XXXX Bank XXXX XXXX Account XXXX XXXX ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card or prepaid card

I contacted this company about why my interest rate went from 19.99 % to 29.99 % without notice. first they said that is my interest rate. when I replied by secure mail on Citi 's website, on XX/XX/XXXX, they replied that the current rate is plenty APR due to a missed payment. I then replied that I have never missed a payment nor have been late in payments. I then replied ; Please send me proof of the missed or late payment. They replied ; We show a missed payment in XX/XX/XXXX and referred to the terms and conditions my account will stay in penalty rate for 12 months if I do not miss a payment or late on payment. I replied ; ; That if I did miss a payment in XX/XX/XXXX, it is now 18 months and my interest rate remains at 29.99 % I also informed them that I will not be using their product and will be paying off the balance and closing the account. I have not received a reply since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the XXXX charged off accounts that are being reported by XXXX XXXX XXXX I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with XXXX - XXXX charge off is showing 90 days past due XXXX times when it used to list XXXX. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN HAVING ISSUES WITH THE CREDIT BUREAUS CLEARING THESE ACCOUNTS FROM MY CREDIT REPORT DUE TO IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency [ TransUnion ] XXXX XXXX XXXX XXXX  ] [ XXXX, PA, XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  [ Acct # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Acct # XXXX To Whom It May Concern, I am writing to formally dispute items on my credit report. The accounts in question are collections reported by [ ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ]. 

XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) After reviewing my credit report, I believe the collection accounts are inaccurate and does not belong to me. I request that you verify the validity of this account or remove it from my report entirely if it can not be verified. Please provide all supporting documentation used to verify this debt, as per the Fair Credit Reporting Act ( FCRA ). 

Enclosed, you will find copies of my credit report with the disputed collection highlighted, as well as any other supporting documents for your review. I request that you update my credit report and provide a written response to this dispute within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Debt collection

I'm resubmitting my complaint with Ally because they are not being transparent. They've contacted me several times after I asked them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00}
Product: Debt collection

This account is over XXXX XXXX XXXX. It was established in XXXX. Metro Collections pulled my credit report without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint about Experian. 

On XX/XX/2022, I logged into my XXXX XXXX XXXX ( online access ) and was shocked that my credit score had fallen more than 70 points. XXXX XXXX XXXX indicated that one major factor was a recent ( since XX/XX/2022 ) drop of {$8500.00} in my credit limit. One day earlier, I was notified that XXXX had actually increased my credit limit from {$16000.00} to {$23000.00} proactively. I have never experienced a decrease in my credit limit, and a mistake must have been made in reporting to a credit bureau. 

XXXX support referred me to Experian support for assistance with the XXXX XXXX XXXX reported information because the application is powered by Experian. Experian support staff told me that my current credit limit they are aware of is the correct amount of {$23000.00} but refused to tell me what credit limit history they have. They refused to provide any additional credit history information unless I agreed to sign up for a membership with monthly fee. My account in Experian online free access showed two credit accounts I was not aware of and never set up, and I filed disputes. It is illegal for Experian to deny my file history to me when I am investigating incorrect file information that could be the result of fraud. When asked to speak with a supervisor or another department, I was told by the Experian support staff that they were the highest person I could speak to and only the membership department could assist me with paying for service to gain access to other data on my own credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX and Equifax to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX ) has obtained my personal information without my authorization. I did not do any type of business with them, and I do not know who they are. they apparently opened an account in my name without my knowledge or consent this is aggravated identity theft. I made a cfpb complaint and they responded saying that it has now been placed in the office of XXXX XXXX XXXX XXXX. I do not authorize them to have my personal information and I do not agree to do business with them.
Product: Mortgage

I responded to a solicitation from Discover Bank in XXXX, 2017 for a home equity loan at 3.99 % for up to {$150000.00}. Within the first 30 days the bank advised that I was eligible for the full {$150000.00}, at the 3.99 % rate, based on the application they completed over the phone with me. After at least SIX months of providing documents to Discover, many of them provided 2-3 times, evidently because they misplaced them, I was advised by mail correspondence that my loan was declined. The day before, by email, I advised Discover that I was withdrawing my application. That same day Discover officials ( XXXX XXXX XXXX ) told me by phone that they were still seeking ways to make the loan work. After explaining to several officers that I withdrew the day BEFORE I physically received the letter from Discover denying my application, they still would not list it as a withdrawal. I would like to be compensated for all the time I spent providing documents to the bank over an unusually long application period, only to have Discover decline my loan application, after within the first 30 days advising that I was eligible for the highest loan amount they offered along with the lowest interest rate. That, based on a strong portfolio, excellent balance sheet, and 25-year record of mortgage payment and payoffs.
Product: Debt collection

In  XXXX  of    2015 I h ad to open a Care Credit account for dental work. At the time I opened the account I requested that they process an automatic draft for monthly minimum payment of {$55.00}. Every month I had to mail in a payment because they failed to do so. I have now been charged late fees and they refuse to set of auto drafts until the accou nt is current. I am a Senior Citizen o n a fixed income and I do not have the extra funds to bring the account current. I feel the payments were late due to their failure to start the drafts in a timely fashion.
Product: Credit reporting or other personal consumer reports

Investigate the completeness of every piece of information. If you found this account to be inaccurate or incomplete, delete this account according to section 168i ( 5 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I was advised by investigators to freeze my credit reports. I did this. Now 2 years later I need to move and am having difficulty with TRANSUNION to UNfreeze my account. I have phoned them several times and can not understand their employees, as they do not speak clear English. I mailed 18 pages of my identity priority mail, certified mail and they received it within 2 days. Then this past Saturday I received a letter saying- heres the credit report you requested! I did not request a credit report- I requested that my report be UNFROZEN! What is wrong with TRANSUNION?