23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, Capitol One unreasonably and unfairly denied my request for a credit limit increase on my card ending in XXXX. Their stated reason that my balances and card usage are " too low '' is patently false. I have an impeccable history of using this card regularly and always paying it off on time. I believe Capitol One 's stated reason is pretext for unlawful XXXX discrimination because I am completely XXXX from working and SSDI is my primary income source. Also, I believe Capitol One is unlawfully retaliating against me for having filed a similar CFPB XXXX complaint against them related to my other Capitol One Quicksilver credit card, which is still active and pending. In short, Capitol One keeps denying my multiple requests for credit increases on both credit cards with no reasonable or good faith basis, despite how my credit report has no blemishes whatsoever and my credit score is nearly XXXX. This is unlawful discrimination and retaliation against a XXXX person because I receive monthly government XXXX benefits instead of payroll income from working at a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you for help with the agency XXXX, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to XXXX  with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to work on my credit since the beginning of the year, all the other credit bureaus are up to date, they all let me actually have ahold of my information regarding my credit. Except equifax, I tried talking to various and I do mean various different agents and none of them are of help. lol they say is try again in 24 hours. And they ask for so much of my information and still no help at all. Doesnt seem very fair to me that I cant get ahold of my very own information that Im working so hard for. I cant even buy a home because it just says I have no credit available. Theyre systems have been down for years now, I feel like its super important for them to really help us. If other credit bureaus are then so should they. Thank you for your time!
Product: Mortgage

Requested a proof of claim of debt and loan servicing company refused to show proof of title or holder in due course. Was in middle of dispute of debt when non judicial trustee sale by sheriff even after offered 1099 A was given, bankers acceptance was offered to the court x 2 for settlement, set off and closure of the account to stay in honor and judge refused. A 1099 c was sent along with multiple letters and default sent for failure to respond and was still evicted from home by constable removal. 4490 proof of claim was sent as well as form 4810 for a speedy evaluation. Tort claim is being sent off as well for damages against the UCC1 with SOS of Texas holding superior title. Informed the courts as well I was the living breathing man and not a corporate fiction, as beneficiary, Rodriguez vz Ray Donavan declares statues, laws, regulations and code pertain to corporations only and not living. Claim filed with FTC report numberXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : I am writing to dispute and update incorrect personal information on file with your company. 
Please update my records with the following : - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Correct Name : XXXX XXXX XXXX - Correct Social Security Number : Last XXXX ( XXXX ) - Correct Date of Birth : XX/XX/XXXX - Correct Employer : N/A I request the removal of any inaccurate or outdated information, including incorrect addresses or contact details, as they are not deliverable by the XXXX XXXX XXXX and are not reportable per the FCRA. 

Enclosed are copies of supporting documents to verify my identity and provide proof of residence : - Driver 's License - Proof of Residence  Please correct these errors and provide an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : - Driver 's License - Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XX/XX/XXXX. I defaulted in XX/XX/XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact.

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX.

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX.

I submitted complaints regarding these illegal consumer reports to Experian, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. Experian and XXXX failed to resolve the issue. When I contacted Experian and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The Experian phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint.

When speaking with Experian and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it.

There have now been three mock investigations performed by Experian and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS
Product: Mortgage

Company involved is Shellpoint Mortgage Servicing. 

I submitted a previous complaint XXXX on XX/XX/2018. 

My concern is that this case was closed, because the company responded to my above complaint, and the case was closed on XX/XX/2018. The response that was provided by Shellpoint Mortgage Servicing originally has now been changed and I was not informed until today, XX/XX/2018. 

When I originally asked to be put back on a repayment plan, I was told that it wouldn't be possible and that If I wanted to keep my home I would need to pay {$15000.00} before the foreclosure sale date of XX/XX/2018. 

It wasn't until I filed my complaint that they were willing to work with me, and XXXX put me on another repayment plan to pay off the {$15000.00} that was past due. 

I asked XXXX XXXX, my point of contact in the loss mitigation department and several other rep 's in that department what would be my monthly repayments, and I was told that they did not have the current figures because they needed to get the total cost of the attorney fees and appraisal fees, and it would take up to 7 business days, and once the figures were all calculated, XXXX would contact me with the payment breakdown. This process started between XX/XX/XXXX and XX/XX/2018. 

When I called and a week later to spoke with XXXX to see if they had the repayment figures worked out I was informed that she did. I had to make an initial down payment of {$8200.00} on XX/XX/2018 ( pymt made ), second payment of {$3100.00} was to be paid by XX/XX/2018, and 5 subsequent payments of {$3100.00} to be paid over a 5 month period to satisfy my repayment plan. 

Here it is XX/XX/2018, I receive a call from XXXX stating that my payment plan that was originally agreed upon based on their calculations has now increased because they did not include {$180.00} ( late fee ), {$2300.00} ( legal fee ), and {$1100.00} ( other fees ) to which she could not explain what the " other fees '' were. And this is already after I made my payment of {$8200.00}. 

How is this helping someone to keep their home??? It's more like a SCAM to get me out of it. This is not the first time this company has done this to me ... it first started with the modification that turned into a repayment plan. 

How is this even ethical or moral? The whole purpose of them having me wait from XX/XX/XXXX-XX/XX/XXXX, was so that they could calculate the cost. This should be against the law.. they need to be investigated by the CA Attorney General 's office due to their immoral and predatory practices ; not to mention the laundry list of consumer complaints against them. 

Now I wonder if they even stopped the foreclosure process/sale date. 

I want an audit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of certain accounts from my credit report, as they are the result of fraudulent activity stemming from a data breach. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information removed from my credit report if it has resulted from identity theft, including cases of data breaches.

As a victim of a data breach, my personal information was compromised and subsequently used to open accounts without my authorization. These fraudulent accounts have appeared on my credit report, and I am requesting their immediate deletion as they do not reflect legitimate financial activity under my name.

In accordance with Section 605B, I have reported the breach and submitted the necessary documentation to confirm that these accounts were fraudulently opened due to the breach. I am requesting that these negative items be removed immediately as they are not a result of my actions or credit behavior. 

The law mandates that fraudulent items linked to identity theft or data breaches be removed from a consumers credit report promptly. I request that the accounts be deleted within the 4-day response window, as required by law, and that the credit bureaus investigate and resolve this matter swiftly. 

Thank you for your prompt attention to this matter. Please confirm the removal of these fraudulent accounts from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal loan ) XXXX XXXX XXXX XXXX ( Personal loan ) -XXXX XXXX XXXXXXXX XXXX ( CREDIT CARD ) -XXXX XXXX XXXX XXXXXXXX ( CREDIT CARD XXXX -XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This loan was paid XX/XX/2019 to National Credit Adjusters, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX , KSXXXX ( XXXX ) XXXX
Product: Mortgage

An official website of the United States Government Logged in as XXXX XXXX Submit a complaint / Complaint submitted You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX -- XXXX Privacy Act Statement XXXX # XXXX Please see the above complaint. XXXX sold our mortgage to Shellpoint. Shellpoint is showing our account is not being paid on time however, we show that all payments have been made on time.
Product: Credit card or prepaid card

I am reaching out for support on an issue I encountered when I attempted to open a new Chase credit card account using the online form ( United Explorer Card ) on XX/XX/23. 
After pressing the submit button I received an error message : " It looks like this isn't working right now. Please try again later. Thanks for your patience. '' ( Image attached ) A few minutes later I filled out and submitted the application again as prompted by the error message the first time. The second time I received a confirmation of a successful application. 
After that, I received two emails in quick succession with approvals for two newly created credit card accounts. 

It appears the first application which gave me an error did, in fact, go through and was accepted despite telling me the opposite. 

I have spoken at length with the phone representatives for account services, lending, and credit - including supervisors. I have had an open case with the Chase XXXX XXXX resolution team for over a month with no progress. Everyone seems to understand the issue but no one has been able to help me with this issue. I have been told that I should not have been approved for two separate accounts for the exact same card but no one can fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from trans union XXXX and XXXX!
Product: Credit card

I got a letter from Capital One Credit Card stating my application was denied. I never applied for a a Capital One Credit card.
Product: Credit card or prepaid card

I used a Bank Of America convenience check to pay a contractor that in turned ripped us off on job ( Bathroom Shower ) nothing was done correctly and shower is unusable going on 2 months now, contractor refused to repair correctly or refund money and left voice mail saying he didn't care and said he would put lien on home if we didn't continue to pay him. We disputed the XXXX charge with Bank Of America and sent pictures voice mails and emails estimates to repair and letter from another contractor stating issue`s and original contract and denied claim stating we didn't send them original sales slip or invoice given to you at the time of purchase. I had called prior to paying contractor via Bank Of America to verify protection and was told not a problem check was same as using card.
Product: Mortgage

On XX/XX/2020 an Annual Escrow Account Disclosure Statement was issued for the subject mortgage loan detailing a shortage of {$340.00}. The notice detailed that my new payment would be {$1000.00} if the shortage isn't paid, or if I paid this shortage, then my new payment would be {$990.00} per month. I promptly made this payment which is shown on my account to have been applied on XX/XX/2020. 

My Monthly Statement for XXXX reflected the {$1000.00} as if I didnt pay this shortfall, which because of the short time since I made the shortfall payment, I can understand this, but submitted a written request to review ( Ticket # XXXX, XXXX XX/XX/2020 XXXX to ensure the payment was adjusted before the payment date. I only received a reply that it was forwarded to the processing team. On XX/XX/XXXX, the amount of {$1000.00} was auto deducted from my account rather than the {$990.00}. I provided a written follow after I received my XXXX Monthly Statement still reflecting the higher {$1000.00} ( Ticket # XXXX, XXXX XX/XX/2020 ). Besides a reply that this has been forwarded to the processing team, I still have not had any assistance to correct the billing error. On XXXX XX/XX/2020, I submitted a formal letter of Error Resolution Notice under 12 C.F.R. 1024.35 through the companies website ( Ticket # XXXX ) and again received an automated reply that it was forwarded to the processing team. My XXXX statement is still reflecting the higher amount and I am being auto-debited for this. 

I have attempted to call several times, and after spending a large amount of time going through the phone tree, the call gets disconnected rather than getting a live person. 

As of the filing of this complaint, I have not received any response from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX experian, XXXX and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$22.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$810.00}.
Product: Credit reporting, credit repair services, 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 items 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 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: Checking or savings account

I had submitted these unauthorized complaints to Bank of America multiple times over the years I've had an account with them. I had notified them of the times when my debit card information had been stolen and used. When I was tired of the horrible customer service with Bank of America in 2018 and closed my account, they told me these unauthorized disputes I filed would be refunded via a separate check, and I confirmed with customer service multiple times before closing the account. To this date, I never got the unauthorized disputes processed and after visiting a branch in XXXX, VA, the bank even wanted to charge me over {$200.00} for accessing the old statements and filing the disputes which is outrageous when they are the ones who failed to process these unauthorized disputes months or years ago. I have proof of phone records, eMessage and email correspondence. Please investigate into this.
Product: Credit reporting or other personal consumer reports

Mohela is reporting duplicate student loan account to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act the following XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

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  It also states 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 602 A section : it also states a consumer reporting agency can not furnish a 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 conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion credit rating is substantially less than XXXX and XXXX. My FICO from XXXX XXXX is based on XXXX data retrieved on XXXX and is XXXX. 

In the case of XXXX XXXX, theFICO Score is based on XXXX data on XX/XX/2021 is XXXX. 

Transunion says my credit score ranks higher than 61 percent of US consumers. This seems very unlikely since I only have two revolving credit accounts and use a debit card for most of my financial transactions. I owe less than {$7500.00} on my two credit cards and have been paying them off every month for months,