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

I have the Capital One Venture X card, that has a " price match '' guarantee. I have included the criteria below and responses that I have taken. 

Qualification criteria. 
To qualify for Capital One Travels price match guarantee, the cheaper itinerary found must be : 1. An exact match to the original itinerary that was made within the last 24 hours ( including the cancellation policy, i.e. refundable or non-refundable ) ; -- -- -- -- -- -- I submitted a claim less than 12 hours later. During that call, the agent confirmed that I fulfilled this criteria. 
2. Priced in USD, including any taxes and fees ; -- -- -- -- -- - Fulfilled this criteria by providing in USD AND Euro 3. Available to the general public. For example, this means that the rate doesnt require the customer to log into a site or have a special membership ; -- -- -- -- -- -The lower price was listed on the public website of the hotel 4. Available at the time the customer contacts us. Our agent must be able to verify that the lower price exists. 
-- -- -- -- -- On my initial call, 12 hours after my booking, the Capital One agent confirmed that the date and price matched up and I was eligible for the price match guarantee. However, he mentioned that it needed final approval from the team above him because the amount I qualified for was over {$1000.00}. 

-- -- - Where this has become a problem is on that next level approval. The day after I booked ( and when I got the first approval ) the website had yet to update to show that the suite was sold out. However, 2 days after I booked, the website updated and reflected that it was sold out for those dates ( due to me booking it ). When the higher level of approver at Capital One looked at the rates ( 3 days after booking ) it showed sold out, and they declined my price match ( even though previous approver said it was good to go, and the dates before AND after the dates I booked show the lower rate ) This was extremely misleading as I followed and fulfilled all the criteria. The reasoning from Capital One of " it's now sold out because you booked it with us at a higher rate '' is one that I believe violates the FTC Deceptive Acts rule.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by Citi card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, Citi had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from XXXX ; although Citi has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX Report which was based on XXXX 's report, have lowered my XXXX scores considerably. XXXX also lowered my my credit rating all because of XXXX 's initial report. ON XX/XX/2024 XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX  who notified me, not XXXX. I am very concerned, especially due to Citi 's reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe Citi is not practicing good business principles by authorizing credit increases when they are not requested.
Product: Credit card or prepaid card

I have unemployment benefits from the state of Florida and yesterday XX/XX/XXXX I went to atm to get my daily limit from my card to put in my regular account to cover my rent check. My daily limit is {$500.00}. My rent is {$910.00} a math and still needed to acquire the remaining {$410.00} today on XXXX XXXX. It states I've exhausted my limit for withdrawals and there's ONLY ONE phone number to reach the people who control the card. I called it and there is NO WHERE TO BE ABLE TO TALK TO A LIVE PERSON! ITS ALL AUTOMATED. I've gone through the paperwork for this card on their website and no where does it say it's not only a daily limit but a time sensitive limit. So I don't know if I should start to panic thinking I wrote a bad check. Since I can not gain access to my money. I can purchase stuff. I did withdraw from the account at XXXX yesterday XX/XX/XXXX but I have never experienced a card to go not only by the daily limit but a time frame of 24 hours. By the time someone gets to this or tries to answer me it's going to be too late. I'm just letting you know I can't believe the government has the ability to give the money but not be able to answer questions. It's ridiculous!
Product: Credit reporting

I agreed to retrieve my Experian credit report for {$1.00}, but was signed up without my knowledge for a membership costing {$21.00} per month, and I did n't know until I was charged this past week. I have tried to contact the company, but was put on hold for 30 minutes.
Product: Credit reporting or other personal consumer reports

XXXX {$3000.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

I have been a Chase customer since at least XXXX. When my son, who has a court order to receive payments from his XXXX XXXX XXXX XXXX XXXX, needed a bank, I immediately thought of Chase. Unfortunately, this decision has become one of my biggest financial regrets. 

In XX/XX/XXXX, my son and I opened a joint account and deposited a check for {$15000.00}. Now, on XX/XX/XXXX, Chase is still holding onto that check, despite them stating that it has already cleared.

The issue lies in their claim that they can not verify the funds from the check writer. The check writer has demonstrated in court the numerous times she has contacted Chase. Additionally, both my son and I have repeatedly called and visited Chase, only to receive the same responses each time.

1. We can not return the check.

2 We can not pay the check unless it is verified.

3. The check is suspended by Chase, and until it is verified, Chase can and will retain ownership of it indefinitely.

As a XXXX XXXX woman, I had to borrow money from another institution to satisfy financial obligations and pay interest on the loan because Chase has effectively held this check hostage.

Today, my son appeared in court again but can not proceed with his financial obligations or court settlement due to this situation. Chase has provided no solutions, simply stating they will continue to hold the check. We have presented court documents showing the order for the check to be paid by the writer, but it seems to carry no weight. Essentially, we are facing the possibility of never seeing that {$15000.00} again. 

Is there anyone who can assist us? We simply can not afford to lose that amount of money.
Product: Credit reporting or other personal consumer reports

I opened this dispute in XX/XX/year>, but it was not reviewed properly or thoroughly by the credit agency. None of my supporting documents or the complaint were considered when updating my credit report. Instead, they simply forwarded my complaint to the bank for their review and response. The agency needs to review the documents I submitted and update my credit report accordingly. 

I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request XXXX correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX Account/ Loan # : XXXX This account is currently reporting inaccurately : I had a forbearance plan with XXXX XXXX XXXX from XX/XX/year> through XX/XX/year> and then a modification trial payment plan for the XX/XX/year>, and it is listed on my monthly statements that have been provided. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 
Please send me an updated credit report within XXXX  days of this letter.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a fraudulent charge from XXXX XXXX, on my business card, in XX/XX/2018. I filed a dispute with my credit card company ( XXXX/XXXX ) They immediately removed the fraud charge, cancelled my card and sent me a new card, new account number. Great! Then in XX/XX/2018 I see a charge on my new card for XXXX XXXX and I call my bank to let them know that this is not my charge, They tell me that the charge went back on because of the " card updater program '' and even though it was originally a fraudulent charge and was returned to XXXX along with a penalty they were able to charge my new card, because the original fraud charge had been a recurring charge. So i called XXXX and they would not do anything because they had to send me a code to my XXXX account, which I do not own an XXXX account, because it was fraud. Now I have to cancel my credit card again. I was told there is no way to opt out as a consumer from this program. So in closing, the consumer, who is paying has, no rights when it comes to the " card updater program ''. and that should be illegal.
Product: Debt collection

The debt was the result of a Dr. who had performed an XXXX on me by billing the wrong Insurance Company. The service was performed through XXXX XXXX XXXX in XXXX Oregon - Patients check into an ADMIN office who gather all insurance info. This info is then distributed to individuals doctors. Once I was aware of the error ( which I had absolutely no control over ) I gave them the corrected insurance info, my insurance was billed and debt was paid in full. Revsolve Inc refused to remove from my credit report. Administrator for doctor ( who may have been covering her own error ) also refused to help. Bottom line is this bill was properly paid, should have never been a debt collection, debt collector was given all the information proving payment and still refused to remove from my credit report.
Product: Credit card or prepaid card

Hi, On XX/XX/2022 I filled a dispute with Vanilla Visa about a stolen card that had charges not made by me. I had the card cancelled as soon as I noticed it gone from my room at XXXX XXXX in XXXX XXXX. After approximately 9 weeks Vanilla Dispute sent me e mail stating the matter had been closed without resolving the charges not made by me. Ref Vanilla Case Case # XXXX. Thank you, XXXX XXXX
Product: Mortgage

Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I attempted to temporarily remove an Experian credit freeze so I could get new utility service to my home. I tried to do this on-line but the web-site kept crashing when I submitted the form. So I tried calling... but there is no option for this. It says there is but when you spend 15 minutes on the phone maze it does allow you to do it on the phone - it instructs you to go to the website. I tried the website again and, although this freeze was placed on because I was hacked in the XXXX breach, Experian wants to charge me to remove the freeze. Its online blog says I don't have to pay if I was hacked but I can not remove the freeze unless I pay. Oh, and I tried to cheat my way to a live person and when I got to a place where it said PRESS 1 TO SPEAK TO A REPRESENTATIVE, I was told the wait was more than an hour. I think they have just found a way to make 143 million people pay {$5.00}... that could mean up to {>= $1,000,000} in their pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one has been using my identity without consent the following was opened account XXXX XXXX account, XXXX XXXX XXXX year XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX auto loan, XXXX XXXX auto loan , XXXX XXXX auto loan XXXX XXXX XXXX auto loan XXXX XXXX XXXX student loan
Product: Mortgage

Told them twice to put me on do not call list but they keep calling.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX NCB XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX  - XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Transunion for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, XXXX, and Transunion. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, XXXX, and Transunion starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, XXXX, and Transunion have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, XXXX, and Transunion infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, XXXX, and Transunion did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, XXXX, and Transunion in accordance with the USC. 
I have attached a copy of the Final letter that was sent to XXXX, XXXX, and Transunion as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.
Product: Credit card or prepaid card

My Capitalone venture credit card was closed around XX/XX/2019 without letting me know.I was at a store trying to make a purchase, when the card didn't work.I called Capital one and they told me my card was closed and didn't give me any reason.I have always had a good standing with the company and always paid my balances in full. 

I also had {$400.00} + of rewards points left in my account which I was going to use for flight tickets around XXXX. Capital one only gave me half of that. 

I think its cruel for Capitalone to cancel my card without prior warning.I was shocked a company would do this around XXXX time when people travel a lot.
Product: Credit reporting or other personal consumer reports

Personal Statement The XXXX  account has also been closed as a result of it being opened due to identity theft, if you havent done so please delete account. Please delete the following inquires XXXXXXXX XXXX XXXX ( XXXX and XXXX ), XXXX XXXX ( XXXX and XXXX ) and delete the XXXX account listed on my credit report
Product: Debt collection

I have a medical debt from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX. I was told last year to make monthly pmts in office or I could not be seen by Dr. and if payments were made direct to medical office it would not get sent to collection. I continued to make pmts and it was still sent to Century Crdit Collection. Last week I was in direct contact with collections and was informed they received no payments from XXXX. I was bounced back to billing dept of XXXX on XX/XX/XXXX and was told by 2 supervisors they did send pmts to collection agency. Today again by XXXX as a follow up to verify how much they sent and to question how credits were allocated on pmts history. I was referred to another supervisor because they were short handed and my simple request could not be done. Furthermore last week I discovered these debts from so long should of been paid by medical or my insurance. I asked XXXX why was it not billed correctly.? Later I was told by XXXX  it would be billed back with proof of med-ical being active for those dates., and if paid by insurance I would be refunded cash I paid them for old medical debts that should of been paid by insurance. Today I got no where when asking what happened to my last pmts on XX/XX/XXXX of {$75.00}.? I explained on the pmts history it does not show the full {$50.00} towards older debts. I was referred to a rude General manager of the collection agency and was told by him that no calls or any information regarding this old debt would be given to me. And not to call XXXX billing. Also he mentioned he would not give me any information of monies received by XXXX. He said it's on your credit and will continue to stay on your credit. Unless u have it paid by insurance, not once taking in account monies already received for the very same debts. When I called again the reception told me he will no longer take my calls that if I have an Attorney they need to contact him. All of this has been on my credit as negative even while XXXX took cash pmts, and debit card pmt. The general manager refused to tell me or mail me proof of pmts received from XXXX. And is demanding to collect {$1600.00} for the original balance of {$660.00} which is not reflecting the cash and debit card and check pmts made toward this at cmh. I want resolve and I want to deal directly with XXXX Billing and not collections for which it should of not been sent to while payments were still being made to XXXX. I want an accurate account of what XXXX   collected as pmts for the above debts and what they reported as a final balance submitted to collections direct to collect. The collection agency is collecting a fee of {$1100.00} that has nothing to do with original debt of {$660.00} not counting pmts made to XXXX which will reflect a lower balance.I want clarification of true numbers from XXXX billing and not the inflated numbers from Century Credit Collections that is refusing to give me information of the original debts minus pmts they received from XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX si que yo le pedia credito me mandaron link como yo no sabia nada me metio alli
XX/XX/XXXX tambien el XX/XX/XXXX de nuevo el XX/XX/XXXX e XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Este de XX/XX/XXXX hoy fui a comprar un perfume ellos me forsaron de hacer algo por descuentos e veo este incuiri