23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally file a complaint against Capital One regarding the unjust denial of my credit card application. I applied for the Capital One Venture X Credit Card on XX/XX/XXXX, and was pre-approved for the offer. As per the request from Capital One, I submitted my identification documents to complete the application process. Despite this, the application was declined with the vague reason of " inaccurate or incomplete information on the application at the time of submission. '' In an effort to resolve the situation, I applied for the same credit card once again on XX/XX/XXXX. After submitting the requested documents for a second time and ensuring all information was accurate and complete, my application was again declined for the same reason. Since the second application, Capital One no longer offers the Venture X Credit Card as a pre-approval offer, nor are any of the other credit products that they typically offer available to me.

Given that Capital One has effectively removed the credit product from my available options after my second application, I believe reconsideration of my application is both necessary and urgent. This situation creates a unique hardship, as I have adhered to all of Capital One 's requests and submitted all required documentation promptly and accurately. However, I have been left with no opportunity to resolve this issue directly with the institution, as the card is no longer available for further consideration. 

Moreover, I am concerned that the reason for my application being declined may be related to a previous instance in which I was a victim of identity theft involving Capital One. Although this has never been explicitly cited as the reason for my application 's denial, I suspect it may be affecting the decision-making process, and I request clarification on whether this could be a contributing factor.

I would also like to bring to your attention that this situation may involve violations of the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : Section 615 ( 15 U.S. Code 1681m ) : This section mandates that creditors must notify applicants of any adverse action and provide a clear explanation for the denial. I have not received a satisfactory explanation for why my application was declined despite submitting all required information.

Section 616 ( 15 U.S. Code 1681n ) : This section allows consumers to seek damages for willful non-compliance with FCRA, particularly if inaccurate or misleading adverse action notices are provided.

Considering the circumstances, I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure that Capital One 's actions align with fair lending practices. Given that Capital One no longer offers this credit card to me, I urge them to reconsider my application, approve it as originally submitted, and send the Capital One Venture X Credit Card to the address listed in my application.

I would appreciate your timely attention to this matter and request that I be notified of any updates or actions taken regarding my complaint. 

Thank you for your time and consideration.
Product: Debt collection

This company is being used as retaliation for XXXX XXXX XXXX we turn them into the federal government for renting to XXXX XXXX and XXXX XXXX. Have court papers and text messages proving this, XXXX XXXX and the XXXX XXXX XXXX XXXX is ow involved
Product: Credit reporting or other personal consumer reports

I am processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this has been my 2nd attempt to bring awareness to these negative items that are illegal on my credit report. looking over all files listed on my all 3 credit files none of them have been accurate, legal, or correct, an valid to be posted on my credit report legally. please review an delete all listed items asap to help clear my file.
Product: Credit reporting or other personal consumer reports

In my credit report, under various accounts and inquiries, there was fraudulent activity. I've been trying to reach out to the bureau where this fraud has taken place, but we haven't found a solution.
Product: Vehicle loan or lease

On or about XX/XX/2018, XXXX XXXX visited XXXX XXXX located at XXXX XXXX XXXX XXXX ; XXXX, Texas. Present with XXXX XXXX was : XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX submitted a Finance Application to Capital One Auto Finance. 

XXXX XXXX father, XXXX XXXX XXXX also joined the application as a co-buyer. 

XXXX XXXX, after agreeing to all terms and conditions of the Finance Agreement, took possession of the XXXX  XXXX XXXX. 

As a marketing strategy of Capital One Auto Finance, XXXX XXXX began receiving robotic phone messages, as well as invoices, indicating that he was the principle person listed on the loan. 

Several attempts were made through Capital One Customer Service to correct XXXX XXXX XXXX, to correct him as being the principle borrower, and to place him, as per theFinance Agreement '' back to the co-buyer. This request was denied. 

XXXX XXXX, XXXX XXXX, and their brother-in-law, XXXX XXXX XXXX, spoke with a member of the Escalations Team in the Office of the President. 

The Representative in the Office of the Presidential Escalations Team only identified herself as XXXX. She would provide no other pertinent job-related information about herself. 

XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were all on the conversation. Proper consent was provided to the Agent, known as XXXX, to speak with XXXX XXXX, who was more knowledgeable about the issue. 

.XXXX. XXXX advised the Representative, known as XXXX it is a violation of banking laws, the Truth in Lending Act, including other state and federal laws for a Lending Institution to modify or change an Auto Finance Agreement without the express consent of all parties involved. : XXXX advised XXXX XXXX, XXXX XXXX, and XXXX XXXX, that it was submitted to the Capital One Auto Finance Company to the contrary and that Capital One Auto Finance would not modify or change the Auto Finance Agreement. Although the Financial Agreement signed at the Dealership clearly shows to the contrary. 

The parties placed XXXX on Notice, that they would be filed in violation of the Truth In Lending Act ;, and The Texas Deceptive Practices Act would be instituted against Capital One Bank and its subsidiaries, for clear violation of state and federal banking laws. 

XXXX XXXX and XXXX XXXX both submit that, the bank has failed to comply with state and federal banking laws. 

Because of these actions and/or inactions, the proposed Plaintiffs have been subjected to their personal credit reports incorrectly reporting their true credit worthiness to other financial institutions. 

XXXX XXXX and XXXX XXXX make a formal request to correct this erroneous information, and that damages be awarded under state and federal law for these intentional acts.
Product: Mortgage

XXXX a representative from the mortgage serciver called me XXXX. We discussed additional documents needed. She said notes were added to my file on XXXX that weren't visible on their portal. The notes were asking for a lease. The renters hadn't been able to make rental payments since XX/XX/2022. I went on to explain I have been making 100 % of all payments since then. I also uploaed and emailed 2 statements from XXXX on XXXX. XXXX clarified the notes to reflect what we discussed and she verified they have everything they need to begin reviewing my loan modification application. XXXX flagged my account with additional notes that every document requested has been received including the mortage statement from the second property uploaded on XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was a creditor in my XXXX XXXXXXXX Bankruptcy case. The case was dismissed XX/XX/year>. After the dismissal, XXXX XXXX reportedly account as a late payment of 180 days. XXXX XXXX last payment from the Trustee was XX/XX/year> ( {$93.00} and {$20.00} ). I have paid the accounts off and have documentation to that effect. 

I have called over ten times. A investigation was initiated. The company found I was in bankruptcy but never corrected the erroneous late payment reported ( 180 days late ). 

I have written a letter to the company and provided documentation of the XXXX XXXXXXXX and payments made with no change in my credit report.
Product: Student loan

The balance on my student loans is not accurate and have submitted a discharge application but all my supporting documents including bank statements were rejected and not used to make a decision by Great Lakes
Product: Credit reporting, credit repair services, or other personal consumer reports

So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from XXXX XXXX because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 16668B : 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: Mortgage

I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I  received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment. 

This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up. 

And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.
Product: Mortgage

Attached is my complaint letter sent to mortgage company. 
Department, Account Numbers Midland MortgageXXXX XXXX XXXX XXXX - XXXX Attention : To Whom It May Concern, I am writing to address an error regarding the balance owe on my loan account. The current balance reflected is incor and requires a thorough review. 
I borrowed {$64000.00} from XXXX XXXX on XX/XX/XXXX. On about XX/XX/XXXX, my loan account with XXXX XXXX was transferred to Midland Mortgage with Midfirst Bank as loan servicer. The balance transferred was incorrect. 
According to the attached court order documents, my cori loan due amount was {$3500.00}. 
The total of {$28000.00} that was paid to Midfirst Bank by XXXX was an incorrect amount that I owed. Howeve XXXX paid this amount to Midfirst Bank in grant form. 
Subtracting the amount I owed, {$3500.00}, from the {$28000.00} paid leaves a balance of {$24000.00}. 
Attached are my payment receipts totaling {$31000.00} in payments to XXXX XXXX since the start of my loan. Based my original loan amount of {$64000.00} as indicated in the attached Mortgage Note, the remaining balance should be calculated as follows : c Original Loan Amount : {$64000.00} c Total Payments Made : {$31000.00} Remaining Balance : {$33000.00} t Amount Paid by XXXX : {$24000.00} a Total Amount Toward Loan : {$55000.00} Therefore, {$64000.00} minus {$55000.00} leaves a balance of {$8200.00} for the entire loan or an overpayment of {$24000.00}.
Product: Debt collection

Please refer to my complaint XXXX and the XXXX  response ! 

1. In my correspondence with XXXX  for last 10 years and before, I have always received copies of HELOC NOTE WITHOUT blank endorsement stamped on the last page but only with mine and my wife signatures and dates. 

2. All copies of HELOC NOTE received for last 10 years and before on the front page says '' CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIIGINAL ''. How did XXXX  send us the copies over the years which is contradicting the certification on the first page?

3. XXXX  has to prove that the signature is WET SIGNATURE and its not stamp. I have 9 different signatures of XXXX XXXX XXXX on different stamps in different countrywide offices nationwide and also on document signed elsewhere completely different way. 

4. I am claiming that this stamp was added on the NOTE after my repeated requests of getting original copy of the NOTE. At what point in time it was added I donot know. Only XXXX  custodian which I presume is XXXX XXXX can attest to it. 

5. XXXX  brings a XXXX statute saying that date is not important and that is fine for normal cases but what XXXX has done with ROBO-Signing was FRAUD and its all in open. XXXX execeutives in swearin testimony have accepted that surrogate XXXX employees were involved in robo-signing these endorsements using stamps in a wellknown scandal. so what XXXX  is defending doesnot make sense. 

6. Any one can get access to these stamps any time and stamp the NOTES. That is what happened before XXXX filed for bankruptcy. Therefore having date is to remove the discrepancy. 

7. Please provide date of this endorsement. Of course my attorney will litigate this isssue in foreclosure mediation and/or before the judge. 

8. We can avoid this piece of litigation if XXXX  can prove that its wet signature of XXXXXXXX XXXX XXXX and the date when it was signed. 

thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXour business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXXXXXX XXXX  Specifically, I have been reported as delinquent by XXXXXXXX XXXX and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX  as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by

15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. Furthermore, per 15 USC 1666b, a creditor s
uch as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, Transunion, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXXXXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, Transunion, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy 2 years ago Portfolio Recovery Associates are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report yesterday that there is an outstanding balance from a student loan from XXXX XXXX # XXXX that was opened XXXX, last active XXXX, reported XXXX, with a payment of {$40.00} and past due {$1300.00}. XXXX said this is a failure of TransUnion to not remove this old style of loan reporting and XXXX has this loan noted as paid in full.
Product: Credit reporting or other personal consumer reports

Please see attached docs to include police report I'd theft report and accounts that need to be removed within 4 days based off the FCRA and XXXX
Product: Debt collection

Carter young inc has reported on all 3 credit reports of mine that I owe XXXX dollars for an account that I have stated and sent in proof numerous times that it is not mine. The collections amount is over XXXX dollars for a student apartment my daughter rented when she moved out she sublease apartment to another college student which was approved neither of us is any longer responsible we were told that by the company. I have called numerous times and this has not been fixed. The company the villas assured us this would not go into collections if we found a subleaser. Also calling Carter young I was hung up on twice told they would not send a copy of documents and threatened to be sued which is according to my rights illegal.
Product: Money transfer, virtual currency, or money service

https : //www.coinbase.com/ ad stated ion their website that when any consumer opens account with them, they will give {$5.00} worth of bitcoin after their information gets verified.. 

We went ahead and provided all of the personal information including driver licence number and other information and went through the process over a month ago now and we still do not see {$5.00} XXXX  deposited in the account that we created. 


We have made multiple attempts to reach them via their Support email, but all we get is a generated ticket # and then no ones responses.. there is no customer service number.. 

The last ticket that we created is XXXX # XXXX - " Where my {$5.00} Free XXXX '' Someone needs to look into this company and find out why they are nor honoring what they are stating in their ad and collecting personnel information from the consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
Product: Debt collection

These company reporting on XX/XX/XXXX {$380.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$1500.00}, and XX/XX/XXXX {$160.00}. I sent them letters letting know these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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