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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and Capital One have violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 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 card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally express my concerns regarding Capital One 's refusal to approve credit limit increases on my account despite it being in good standing. 

As a responsible credit card user, I have consistently managed my account, maintaining timely payments and a low balance. However, my request for a credit limit increase has been declined without a clear explanation. When I contacted Capital One for more information, I was provided vague responses that did not justify their decision, especially given my excellent payment history and responsible credit management. 

This lack of transparency is frustrating, as it does not align with fair lending practices and leaves consumers like me without a clear understanding of the criteria being applied. Additionally, the ability to increase my credit limit would help me manage my financial needs more effectively, and the denial may affect my credit utilization ratio, which can impact my credit score.

I kindly request your review of this matter and any guidance you may be able to provide. I believe it is important that financial institutions like Capital One offer fair and transparent credit policies, especially for consumers who have demonstrated financial responsibility. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

{$200.00} Cash Cruise Deposit with XXXX XXXX XXXX XXXX and Bank of America which they refuse to refund me. 

Submitted request to Office of the Comptroller and Currencycase XXXX. They in turn forwarded request to your office. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked at my report, I sent a letter to Equifax on XX/XX/XXXX asking them to Reinvestigate these accounts. * ( XXXX ) XXXX XXXX XXXX, ( XXXX ) * XXXX XXXX XXXX XXXX, ( XXXX ) *State XXXX XXXX XXXX XXXX ( XXXX ) *State Employees XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same. And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, 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 ( s ) of information, as appropriate, based on the results of the Reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if... ( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact INACCURATE
Product: Debt collection

A company by the name of XXXX XXXX is fraudulently reporting that I opened an acct on XX/XX/2018! Its reporting a balance of {$4600.00}! I want this deleted from the Experian report immediately!
Product: Mortgage

ON aprx XXXX I filed a formal complaint against nationstar mortgage reguarding my escrow my cfpb case # given to me was XXXX turns out after seeing my new mortgage statement this company has shorted me XXXX in my escrow when I called them i talked to a person in another country and they cant resolve the problem. this company still has not resolved the first problem cause they still say I am short in my escrow and I am not! and they still want me to pay more money then I agreed to pay back to XXXX I was given 55 months to pay XXXX per mon when we remodified our mortgage. It appears the CFPB has not helped me resolve this matter cause nationstar mortgage does not take complaints seriously.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 20 investigations as well as mailed Transunion documents as regards XXXX XXXX on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees XXXX says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. Judge dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And Transunion will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation of me.
Product: Mortgage

I have a loan with Shellpoint Mortgage Servicing with LOAN Account # XXXX. The monthly mortgage payment with ShellPoint is scheduled with My bank, XXXX XXXX XXXX XXXX. In XXXX, the mortgage company changed the billing address from Ohio to Texas ; my scheduled payment of {$1100.00} for XXXX ( XX/XX/XXXX ) went to them, but due to the wrong billing address deposited back to my bank on XX/XX/XXXX. The XXXX 's payment also failed for the same reason. There were no communications from the Mortgage company regarding that billing address change, and I learned about this when I received a pink letter on XX/XX/XXXX, including the hardship assistance document. I immediately called their customer service, fixed the billing address to the bank, and directly paid {$2100.00} for XXXX and XXXX. However, they reported to the credit bureau since payments were missed, which killed my exceptional credit score. I have been following them since XX/XX/XXXX and filed multiple complaints on their website. I also sent them a letter from my bank that we were attempting to make payment, but they always sent a standard letter that you are at fault for missing the payment. A different department of ShellPoint manages the credit reporting, and they don't talk to Customers and communicate via secured emails. During one of the complaints and my conversation with a customer service supervisor, she emailed that department the Company had changed the billing address, and the Customer made payments immediately when he came to know. The Credit department did not respond to that email. I have attached that email with this complaint. The letter from the bank was also included in this complaint. 

I have not seen such bad customer service in my life, and some of their reps and supervisors were rude in conversation. They removed secured email communications related to complaints between me and their Credir department from the Inbox Customer portal. Honestly, they don't care about customers. My intention was always to make payments to them on time. I spent several hours calling them multiple times, sending the proofs, but no attention to my humble request to correct the credit reporting. 

With this complaint, they should sincerely consider my request and fix the credit reporting. They should also work on improving communication with customers and care about customers. 

XXXX XXXX
Product: Debt collection

Received a call from this company Wilber and Associates PC claiming I owed {$2900.00} in damages to another unit in my building when my condo flood in the bathroom. I paid the cleaning service that the XXXX XXXX approved. This company is claiming someone on the 1st floor, filed with them. The said unit is Nowhere near my side of the building. I Live on the 3nd floor. The unit right next to my bathroom Did not accrue any damages. This Bill is a Scam. They're e-mailing, calling me to collect on bogus debt. I have insurance, my XXXX XXXX would notify me, there was a problem.
Product: Credit reporting or other personal consumer reports

As I perused my report from the year XX/XX/XXXX, a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 

XXXX XXXX XXXX -Not reporting accurately and being incorrect. 
XXXX XXXX XXXX XXXXNot reporting accurately and being incorrect. 
XXXX XXXX -Not reporting accurately and being incorrect. 
XXXX XXXX ( bank ) - Not reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violaton not mine or no knowledge of it XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit card

This is a mail order magazine i never applied for. My information has been breached on more than 1 time. I did everything to inform company i never applied nor ordered from them. I provided notorized documents showing i have not lived at address where merchandise sent nor do i know the individual in question. They have destroyed my credit over this & refuse to remove derogatory payments & account from my trw.
Product: Payday loan, title loan, or personal loan

I secured a personal loan with One Main Financial in XX/XX/XXXX. I used my XXXX XXXX XXXX as collateral. I had full coverage on my vehicle at the time I first got the loan and I still have full coverage on my vehicle. I use my grace period each and every month to pay my insurance. I have another vehicle that's insured with XXXX and I use my grace period with them too each and every month. I guess, when I'm late, but within my grace period, my insurance must have notified One Main Financial. My insurance has never lapsed, my registration is always up to date ; but I don't understand why One Main Financial is always harassing me about their XXXX insurance that they want to force on me. My monthly payment is XXXX, do you know what that would come up to XXXX, I can't afford that and One Main Financial can not have my truck. I've never been late with my payments, that are due on the XXXX of every month. My credit is not the best, I guess that's why I had to go to One Main Financial in the first place, but they can't keep harassing me about insurance that I don't need.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.
Product: Mortgage

I have been disputing a debt Nationstar Mortgage , LLC has been trying to collect since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nationstar responded to a CFPB complaint declaring they were the servicer for Bank XXXX and the account was XXXX payments delinquent. On XXXX XXXX, XXXX, Nationstar 's counsel sent me a letter advising they were rescinding the acceleration of the debt. This contraverts the response on XXXX XXXX, XXXX indicating the loan was XXXX payments delinquent. Nationstar never purported to accelerate the alleged debt. There has been no activity on this account since the alleged transferred. I have never made any payments or executed any loan agreements with Nationstar. In conclusion, On XXXX XXXX, XXXX, XXXX days after the alleged Rescission, Nationstar responded to the XXXX credit dispute indicating the account and past due balances of the account were {$0.00}. Nationstar has consistently given conflicting information referencing the alleged debt. It appears they have n't done any due diligence to investigate this account ; after I 've vehemently disputed it. PLEASE HELP ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I applied for a credit increase on my American Express Reserve card. I was denied a credit limit increase based on the following reasons by American Express that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. Amex states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. Amex states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. Amex states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my Amex card Balance. 
5. According to XXXX  my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
Amex did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall Amex denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is XXXX  and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. TransUnion is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. XXXX continues to report false information and incorrect addresses and names, in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions also may contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure XXXX complies with the necessary proof of investigation. 

XXXX XXXX XXXX  Account Number : XXXX Date open : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$4500.00} XXXXXXXX XXXX XXXX  Account Number XXXX Date open : XX/XX/year> Balance : - Addresses : XXXX XXXX XXXX XXXX PA XXXX Names : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AND ALL SECONDARY BUREAUS SUCH AS XXXX XXXX  (ALL),XXXX XXXX (ALL), XXXX, INNOVIS (ALL), ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF: 1. 15 US Code 1681 b 2 - 2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b - 4. 15 US Code 1681 a 2- 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Checking or savings account

I am a victim of identity theft. I received letters in the mail and received phone calls about my Bank of America account being closed due to a fraudulent check that I have no knowledge of. A few months later I opened up a XXXXXXXX XXXX account that was closed due to me being in the XXXXXXXX XXXX. I was so confused because I have great banking history.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX - XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I experienced identity theft. I filed an identity theft report with government and a police report with my local police department. I have been harassed by many companies and I am going through the process of clearing all the false accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I am submitting this complaint against XXXX XXXX XXXX XXXX. The account mentioned, has already been deleted from my credit report but it has re-appeared with the same account number, & is reporting negative. The employees I spoke with as far as I can remember were XXXX XXXX XXXX & XXXX XXXX in XXXX XXXX location, they were introduced as representative rather than a salesperson. I have never used this timeshare, but they told us we were making good financial investment, because the resale value would go up, that it was a mortgage that value would go up & we can actually make money from it by renting it out thus earning us rental income. That we can charge friends or family to use the timeshare. They promised things would be positively different each time things got worse. They also said it has some tax benefits similar to owning a 2nd home. They took our ID/personal information. They offered gifts like discounts on tickets, also XXXX offered us XXXX XXXX tickets because his son works there. They told us they needed " corporate '' approval in order to give us the price being offered like I'm being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price because the offer was not going to be available after that. They didn't even allow us to read and fully understand the contract. I've made phone calls to request for cancellation but obviously it was not cancelled. We've had financial difficulties due to this timeshare, it became harder for us to pay our rent, bills, expenses for food & things for the family. We are stuck financially, a lot of stress in the home because we had to stop doing things we like just so we can pay them. We even lose sleep over the stress caused by this timeshare. It's really difficult because husband is the only one that works & had to miss holidays because of the payment. This timeshare has been very stressful for him. And to make it worse, they're constantly calling us for payments everyday like 2-3 times in a day. We've had the worst experience with this timeshare, the lie about us having exclusivity, the lie about making & saving money. We lost the entire day on this process & have lost so much money in something that we can't even use, we don't have time for vacation, because we need to work & earn money to pay them. We were taken advantage of, defrauded and lied to.