23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX - CARD SERVICE XXXX {$4100.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX/XXXX XXXX  XXXX XXXX {$5500.00} XXXX XXXX XXXX {$580.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a follow up to Complaint XXXX. 

Capital One responded by saying that they owe me {$20.00} rather than the {$25.00} I had thought they owed me. However, they haven't given me even the {$20.00} in rewards they admit they owed me in the previous complaint.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Please refer to detail of previous complaint that was referred to the FTC XXXX. This is a XXXX XXXX  hospital stay that is being handled through a XXXX XXXXr and no covid related XXXX, as stated at intake and all funds disbursed by the XXXX for the XXXX XXXX since have not been applied. The stay was at the 'beginning ' of the covid pandemic, testing and protocols we're not as they were today, I was sXXXX  from other XXXX XXXX, issued XXXX of the first nose tests... etc... the funding for COVID was very fluid with the XXXX  at the time and I believe this bill went internally through the billing process and was either XXXX XXXX  was not applied as a result, or an internal billing issue never flagged it for follow up. There is an additional account for a smaller balance with the same debt collector, date of service in XXXX of the same year, however I do not recall which was the overnight stay, I am assuming it was on the XXXX date of service due to the amount of the bill. 

Given the extreme amount of the bill, the lack or detailed explanation ( i.e. the overcomplicating of the bookkeeping and fbilling process with the XXXX ) My request for a detailed billing, that showed the applicable covid payments received by the hospital from the government reflected against the account, has not to date been received. This is not a valid debt and any attempt to place into my XXXX XXXX  or with a court action or attorney is the result of possible mis application of the federal monies to the hospital, and possibly warrant a lager invesitigaion as /i 'm sure there are others experiencing the same random collection letters from date of service during that time frame. 


The debt collector, XXXX ; XXXX XXXX XXXX ; XXXX, OH XXXX ; Account XXXX ; XXXX XXXX ; XXXX XXXX Account # XXXX ; XXXX this bit XX/XX/2020 ; ( there is a second bill XXXX XXXX ) Since XXXX XXXX is involved, and reflection in my account has not been shown with the application of those moines towards my XXXX XXXX care, I would assume this would be a priority.
Product: Mortgage

I wrote a while back to let you know that I have been working with Bank of America and XXXX XXXX XXXX to modify the terms of my home equity lines of credit and to no avail. 
We have spent the last 12 months submitting requested items to Bank Of America only to receive another declination in the mail this week. They are playing games and we have been paying the newly adjusted payment since XX/XX/XXXX that has quadrupled and is an extreme hardship. When the XXXX heloc adjusts XX/XX/XXXX we will no longer be able to live in this home we built and maintained for the past 19 years. Only with these XXXX loans extending the interest only portions for another 10 years will we be able to stay in this home. We are XXXX and I am forced to continue working due to the housing demise of XX/XX/XXXX that wiped out our XXXX with my total loss of income and my husband 's forced retirement who was on XXXX since XX/XX/XXXX now receiving half pension from XXXX where he was injured on the job in XX/XX/XXXX. 
We need help with these XXXX loans and requesting your intervention to make this happen. 
I wrote six months
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX XXXX XXXX account # XXXX 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 : 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, 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As mentioned on XX/XX/2018, I contacted Equifax via certified mail in response to a claim the Illinois Federal Bankruptcy court verified a bankruptcy under my name and social security is accurate. I am once again challenging the accuracy, compliance and reportability of this information, because it was NOT released through the Illinois Federal Court but through a 3rd party XXXX/XXXX. This information was obtained through a 3rd party and NOT directly from the Illinois Federal Court, this is a violation of the Fair Credit Reporting Act. Equifax has failed to validate the information with the Illinois Federal Court, also I've requested documentation bearing my signature that I've given XXXX/XXXX  consent to release any information concerning myself. I have requested the procedure for verifying records and have not received them from Equifax. Equifax did not receive this information directly from the Illinois Federal Court but through a 3rd party, therefore this is a violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I am having multiple problems with this account. I have attempted to reach out to " XXXXXXXX XXXX '' multiple times by e-mail and telephone. The e-mails are mostly copy and paste replies that don't do anything to solve my problem. They have tried to call me but as they never set a time to call, so we're unable to connect. I have tried calling the number listed, but can't get past the automated voice prompts. The voice prompt does not accept my Social Security Number, and then the voice prompts go in circle and eventually disconnects the call. 

Problem # 1, and the main reason why I am filing a CFPB complaint. I was promised a {$50.00} bonus when signing up for a XXXX XXXX  account through the referral. I met the requirements of activating the card and initiating a direct deposit. The {$50.00} was not credited to my account. I am extremely disappointed about this. 

I used to open my account on XX/XX/2020. This is the link that I used : XXXX XXXX XXXX Problem # 2, XXXXXXXX XXXX  is the only bank I've ever used that does NOT accept my phone number. I tried entering it but it does not accept it. I used a friend 's phone number to sign up. Therefore, the number on my account is not even a valid phone number for me. 

Problem # 3, Their phone support system is completely broken. Every time I tried calling, it first prompts me to enter my Social Security number but then it does not accept it. I am unable to reach anybody. Even when I don't enter any numbers.. eventually the call just disconnects and I am unable to speak to anybody.
Product: Debt collection

AMERICAN EXPRESS CALLED CELLS, WORK AND FAMILY MEMBERS ABROAD. WE HAVE GATERED ALL PHONE RECORDS, RECORDINGS ETC..
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress Card was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. First Progress Card was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to  XXXX. XX/XX/2021 " First Progress Card '' reported the account as 30 days late again. Then 60 days late in XXXX and  reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and  XX/XX/2021 as 60 days late. Then current in XXXX and  back to 30 days late in XX/XX/2021 and  60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. First Progress Card was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and  again on XX/XX/2021. It was First Progress Card due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to  negative all in XXXX.
Product: Credit card or prepaid card

I opened an account with Care Credit in 2020 for some dental work that I needed to have done on an emergency basis. Initially, I was denied an account but then was approved when my mother agreed to co-sign for me. I was approved for a credit limit of {$5400.00}. My mother is also on this account. Out of the blu, my credit limit was decreased down to {$3400.00} without warning. I was not able to complete my dental work because I was left with little to no credit available. This was done even with me making my payments on time. I knew that Care Credit/Synchrony bank was going to be checking credit history for account status periodically. However, they decreased my credit limit citing that I had no real estate accounts. I called Care Credit to make sure that upon reviewing my account if my mother 's information was also checked and I was advised that it was. My mother has owned her home for more than 20 years. We were also approved with me not having any real estate history. How can I be decreased in available credit for the very same reasons and credit I was approved for with my mother co-signing. Because they decreased my limit I was unable to complete my dental work and my credit score dropped 20 plus points. I tried to get the credit limit I was initially approved for back and I was advised that I would have to apply to get a limit increase which meant checking my credit and my mother 's credit all over again just to get the credit we were approved for back. Which in turn would decrease our credit again because of the inquiry it would leave. I think that is deceptive to decrease the limit of an account that is in good standing. Also, to decrease the limit on an account for the very same credit condition that it was approved for is not appropriate. I did not own any real estate when my account was approved with a co-signer. My mother does have a real estate history. It has not mysteriously disappeared from her credit. Since this has happened my account has been maxed out multiple times. Because my account is over the limit, my credit score continues to decrease even though I have been on time with my payments. I am also charged excessive fees because my account is over the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX
Product: Debt collection

Sent Law firm letter regarding their violation of FDCPA Called multiple credit bureaus to move address they added
Product: Checking or savings account

My problem is with Citibank. Late last year, Citibank blocked three accounts I share with my XXXX mom. I have power of attorney, and she is XXXX and has the beginning of XXXX. I was told that the accounts were blocked because there were discrepancies in her retirement dates, triggering a provision of the XXXX XXXX. The block was removed. However, the block has been put back into place three times within the last six weeks. Two of my mother 's checks to her assisted living facility have bounced, and they are losing patience with her inability to pay her bills. I need to pay her other bills. I can't access my savings to pay her bills because my savings account is blocked. I have spent hours on the phone with Citi and the manager of her local branch. I get explanations and apologies, but no action. Citibank 's inaction affects my mother 's ability to pay her bills and my ability do my job. I can't spend hours on the phone begging them to fix their mistakes. I'm at the end of my rope.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). I am demanding that you remove this Transaction from my Consumer report immediately as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

Capital one bank usa
Product: Bank account or service

Hi, I opened an account towards XX/XX/XXXX with Santander with a promotion code for {$150.00} after fulfilling certain requirements. I completed that and now they are saying I ca n't get the promotion since I did n't open it online but I did. When they called they said they would call back with more information, but no calls. Please can you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

Collection that are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries I would like to be removed immediately : XXXX XXXX Experian inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXXX/XX/XXXX Ive asked these companies For information concerning these debts and they have yet to offer any answers Ive asked for 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

I still havent gotten any of this My information may have been impacted by the XXXX, XXXX XXXX XXXX XXXX XXXX  and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 
When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law XXXX That, in itself, is fraud I have included my ID and utility bill as well as identity theft report for proof
Product: Credit card or prepaid card

Back in XXXX i had an alert to 4 charges to my capital one card, through walmartXXXX and another vendor out of XXXX. I called capital one and told them it was a fraudulent charge. They supposedly put a stop to it, credited my account and told me to contact walmartXXXX. I then called walmartXXXX and put a stop on delivery. I received and still have emails from capital one and walmartXXXX  stating stops on both. In XXXX, XXXX night @ XXXX the credit disappeared and i was supposedly responsible again. I called capital one again and they launched a supposed investigation. I then recieved a letter stating that my fraudulent charges had been extinguished and not to worry, allow a couple of weeks and everything should be back to normal Now end of XXXX they see that 2 charges were fraud but not the other 2. Capital one has done nothing but harass me with emails trying to collect on a mistake that they made. Constantly emailed or called informing me on ways to pay them on a fraudulent charge. Capital one also informs you that they are recording you but you not allowed record thier confusing, fraudulent dealings on how to take the customers money but pay the supposed seller. I am at the end of my patience and feel nobody is out there to help me.