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

I have a {$4000.00} credit limit and I had an {$1100.00} credit balance on my credit card account. My credit card account when I tried to make the purchase was - {$1100.00}. I wanted to charge {$5000.00} on the credit card. The card was declined, even though it was below the credit limit with the credit balance of {$5200.00}. I contacted the card issuer but they would not allow me to use the credit limit and credit. They said I could only use the {$4000.00}, which was my credit limit and then I couldn't use the credit until the authorization became completed, which with Capitalone is usually 4 to 5 days. So, I am unable to access my credit balance for 4 to 5 days and I wanted to make a purchase using my credit limit and my credit balance. I asked why I couldnt just do two transactions ; one for the credit balance and then one for my credit available on my card but they said until the transaction was processed for the {$4000.00}. I won't be able to go beyond that amount until again, 4 to 5 days when their authorization processing is complete. I am unable to make the purchase as I wanted to and I had to draw money from my bank account, when I had a credit balance on my credit card. I don't think they should be able to deny me the access to my credit and my credit limit. I spoke to a supervisor, XXXX XXXX and asked him to authorize it but he said he couldn't. He said I would have to wait until the authorization is complete, which again, is usually 4 to 5 days in processing with Capitalone. They have the slowest processing of all the credit card companies. It should not be legal ro deny a credit balance. Any credit balance should be included with your credit limit as you are not going beyond your credit limit if you have a credit balance behind the two totaled together.
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : XXXX
Product: Debt collection

I filed a bankruptcy that was discharged in XX/XX/XXXX ( see attached and case number XXXX ). 
One debt that was discharged was a home equity line of credit with Wells Fargo Bank for {$20000.00} ( see attached Bankruptcy List of Creditors ). 
In XXXX, Wells Fargo sent a 1099-C debt cancellation form to the IRS for this debt ( see attached ). This was never sent to me but in XXXX the IRS notified me of this and said I owed taxes now as income from this debt cancellation. 

I attempted several times with Wells Fargo to talk to them ; here are my records of those calls : XXXX spoke to XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX ( left message with them- wrong line ). 
XXXX left message again at XXXXXXXX XXXX XXXX XXXXXXXX left message again at XXXXXXXX XXXX XXXX  Called this number which they gave me : XXXXopen until XXXX XXXX ( they told me this was not the right number, this is for student loans ; I never had a wells fargo student loan ). 

XX/XX/XXXX XXXX XXXX- spoke with someone- they did not find the account number listed on their own 1099-C form, looked up by SS # and they found the 1099-C and sent to me.

She says it was a charged off loan but if it was not re-affirmed- they should not have sent a 1099-C form to the IRS. She says she needs me to talk to the bankruptcy team to talk to them.

She gave me this number : Bankruptcy team- XXXX Spoke with XXXX Account # was XXXX for home equity/mortgage XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX can not help me. She says I need to go to the back office to help. Total time on the phone XXXX hour and XXXX minutes. She refused to help me or direct me to the back office that she said I should be speaking to.
Product: Credit card

XX/XX/2025 BMO Credit Card was declined for a {$8.00} transaction at a local grocery store. The day before, the card was used at XXXX for {$50.00}. My credit limit is {$10000.00}, and my current balance is {$170.00}, with an XX/XX/2025 payment due date for my last month 's statement balance. I have been doing really good with making timely loan payments and have XXXX XXXX XXXX with XXXX. 

Since I thought there was some kind of mistake, I immediately called the toll-free number on the back of the credit card and after waiting almost XXXX hour, I finally reached a live person. He told me that per the BMO Consumer Cardholder Agreement page 8, section 18B, they can close the account for any reason. Even though the document listed several derogatory reasons, such as NOT making minimum monthly payments, going over the credit limit or cash limit, or defaulted on any other loans with them, etc. I was not satisfied with that reason and asked to speak to his supervisor, and spoked to XXXX, who reiterated the same reason. 

None of that was the situation for my case. I even asked them to look at when was the last time I was late on making my credit card payment with them and what was my current balance compared to my available credit limit. Apparently it was in good standing because XXXX can not give me any specific valid reason except " We may suspend or close your account for any reason '' was written in their Consumer Cardholder Agreement.

I also lost access to the {$8.00} in earned cash back rewards that I intend to transfer towards offsetting my BMO credit card balance, because they closed my account just because they say they can. Maybe they are using a bad AI or have incompetent risk management team deciding which account poses a risk to the bank 's portfolio of revolving debt account. 

Maybe it is the XXXX  gutting the CFPB under the direction of XXXX Musk, or the banks feeling that the regulators are too worry with what XXXX is going to wreck next, and emboldened to test the limit of how much they can break the law without negative consequences. But it is still wrong and I want the CFPB to know and let the other consumers know to not waste their hard credit pull with a bank that will just cancel your account without any good valid reason.
Product: Credit reporting or other personal consumer reports

Inaccurate account information on consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX Files Notice of Data Breach That Leaked Thousands of SSNs XXXX XXXX, XXXX. 

On XX/XX/year>, XXXX XXXX XXXX sent out data breach letters to anyone who was affected by the recent data security incident. These letters should provide victims with a list of what information belonging to them was compromised. According to the Texas Attorney General, these notices went out in the mail to all XXXX Texas victims of the XXXX data breach. Of course, there are likely additional victims throughout the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts has reappeared on my Equifax credit report : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX XXXX, {$19000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$30000.00} and XXXX XXXX XXXX XXXX, {$370.00}, these fraudulent accounts has been previously deleted countless times by Equifax, but keep reappearing on my credit report. The accounts are all fraudulent, unauthorized, not mine and dont belong to me.
Product: Checking or savings account

On XX/XX/20 my bank account was froze without warning or provocation. I received no message through online banking.no phone call no email. I was unable to pay for groceries at the store is the way I realized I had no access to funds. I customer service with PNC bank who told me my account was under investigation. XXXX XXXX Michigan branch manager told her I was sending money to a romance scammer, and it was her job to protect my funds. 
All funds in my account have been from my investor. This was a knee jerk  reaction and slanderous act. When contacted the branch manager said she could keep my funds froze up to 90 days. I have a XXXX XXXX and require access to funds. And we are having blizzard conditions here in Michigan. I explained this to the branch and to investigators. My account remains frozen. I am.unable to.close the account because.it is under investigation. The deposits and balance are over 6 thousand dollars. And my car and house insurance are.due and my phone bill. This is causing severe financial hardship
Product: Credit reporting or other personal consumer reports

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXopen on XXXX XXXX XXXX.A credit card From XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX was opeXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX was open XXXXXXXX XXXX XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts XXXX collections of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS 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

It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported Experian still does not have my correct telephone number and even though I have reported and repaired the number multiple times. XXXX is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!
Product: Student loan

Regardless of income, my monthly payment from the beginning of my loans ( of around {$410.00} ) to what will be the end near the end of the loans ( {$600.00} ) is simply too much to pay given my income ( currently around {$28000.00} annually ). These loans are through Sallie Mae. They repeatedly harass my co-signers, refuse to change my monthly payment, or adjust my interest rate ( despite my consistent, never-failing payments ). I received my XXXX in XXXX from XXXX and am fulfilling my dream doing exactly what I want, teaching and playing music. I love my life but find it EXTREMELY difficult to find true financial security ( including buying a car, home, and leisure ). The stress and mental wear that this situation continues to cause me day to day is absolutely awful. It affects every aspect of my life ( including my relationships and overall outlook ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some fraudulently obtained information from my credit report, however, there is still information that has been forwarded to me that needs to be deleted or blocked. According to FCRA section 605, credit bureaus are required to delete any records listed on an ID THEFT REPORT. I am including this item again since I proactively remembered it from an earlier correspondence. My attorney is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's 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. I have also filed a dispute with XXXX XXXX and they say it is accurate and it's not. This account is charged off with Experian as a loss and write off as of XX/XX/year> but I never received any of the 1099 Cancelation of Debt Forms. This practice violates the Fair Credit Reporting Act ( FCRA ) despite if Experian says it is accurate. Experian has neither corrected nor removed disputed items despite the evidence and law, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

American Express is charging me {$98.00} interest on a purchase for a full month despite having paid off the balance in full.
Product: Vehicle loan or lease

My car loan was transferred from BBVA compass to PNC bank and has been nothing but a nightmare since the transfer. When it was transferred they had wrong phone number and address for me and never tried to contact me. Then my vehicle was repossessed since I didn't know the bank that took over the loan. I paid close to XXXX dollars to get it out of repossession then they told me the loan was charged off in XXXX. Why I still don't know why it was charged off. Then I was told I would get statements and to be watching for a statement and I never got one. So in XXXX I called and they told me I owed XXXX dollars so I paid it because they stated I overpaid when I got my car out of repossession even though I paid the amount due. Then in XXXX never got a statement again and when I called XX/XX/XXXX they told me I owed XXXX dollar because I underpaid in XXXX. When I told them I didn't have the funds to pay three months worth of payments and that it didn't make sense why I owe that much. They had it escalated and escalations is lying and stating they have attempted to call me yet I have no missed calls or messages and are closing out my complaints. Then today I finally got ahold of escalations department after refusing to hang up until it was resolved and spending three hours on the phone. Their XXXX  page is filled with complaints similar to mine on how they treat their customers and how they are dealing with them. They keep giving me the run around and are messing with my life and mental health as I am a single mom and refuse to work with me or help me come up with solutions. They give me different information every time I call in and none of them are on the same page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many calls to get this corrected Target Credit Care. 
I paid this in full in 2012
Product: Vehicle loan or lease

Car was repossessed and either totaled out or auctioned off. I was never contacted about the vehicle. As I am repairing my credit and noticed theres a balance due and is reporting as an open account as well as a charge off. This account is over seven years old, but the company continues to update the dates on my report which is pushing the statute of limitations date further out. I have uploaded the letter I received proving that it is not accurate and is reporting false information. The numbers, fees, and continued interest charges are still inaccurate. Aside from that I was not informed by Santander my car was being repossessed. I was parked on private property when the towing company took my car. A jealous ex called a tow truck driver he knew to take my car. Open/charge off is inaccurate reporting
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.
Product: Student loan

Have been paying my Student Loan for the past 10 years ; XXXX XXXX was the Lender but they change to Navient and my Loan keeps going up instead of going down. I called them many times asking for how much interest I have to pay before payments go to principal and no one knows anything. Also I called today to ask why my monthly payments are going up without letting me know and they said that a 2 years payment arraingment have finished and I have to pay XXXX monthly. I said I ca n't pay that amount monthly and they offered me to pay XXXX monthly for a year and renuew payment plan every year to see if I still qualify for it and in 25 years will be forgiven my loan without counting this 10 years I '' ve been paying. This is too much, I need help! Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX with XXXX XXXX and ended it XXXX 2022. I have been making regular payments and was being told do not worry about being reported late we are still waiting on the XXXX of XXXX Affairs to do their part and it will get your account back in order. So since my acct was in this forbearance period it looks past due which means I can not make payments online so I have to call in. I make payments and anytime I get a notice I get afraid of being reported late so I call them and get reassurance I wont be reported late. I woke up this morning to a alert that XXXX had reported my acct 180 days past due. I called to confirm that they were still waiting on the XXXX  then I asked if youre still waiting on the XXXX  why was I reported late to the credit bureau to which the rep had no response. No one has contacted me or understand how this has affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX, Experian, and XXXX regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately X/XX/2017. After concluding their investigation X/XX/2017 XXXX agreed with me and deleted the item ( see enclosed letter ). 

On X/XX/2017 XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX, EXPERIAN, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
Product: Consumer Loan

After making written requests to the creditor known as Consumer Portfolio Services ( CPS ) to cease and desist their continued harassing telephone calls, I received yet another call from the representative named XXXX XXXX. She does n't seem to get it - cease and desist means DO NOT CALL. I reported the incident last Thursday and was assured the calls will cease, and then she calls again today. I will file suit under the FDCPA because nothing else seems to work. When I prevail, they can issue me a lien release immediately and cancel the debt, sending me a XXXX balance statement along with my title, since they do n't want to follow the law.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Mortgage

I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint over a month ago with you ( see complaint # XXXX ) as reference. 

I received a letter from TransUnion Credit, dated XX/XX/2022, as a response to my complaint, providing showing the same incorrect information ( e.g., incorrect names and accounts associated with those names ). 

It seems that in TransUnion 's haste to comply in the time allowed to respond to the original CFPB submitted in XXXX of 2022, they are responding without correcting the initial complaint ( s ) submitted in the first place. 

Please request that they carefully review and remove all incorrect information that is no-applicable to me.