23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Mon, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - {$670.00} XX/XX/XXXX XXXX XXXX - {$140.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$43.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$41.00} XXXX XXXX XXXX XXXX - {$40.00} XXXX XXXX XXXX XXXX - {$12.00} XXXX XXXX XXXX XXXX - {$21.00} XXXX XXXX XXXX XXXX - {$39.00} XXXX XXXX   XXXX XXXX - {$49.00}. 
They send me an email with the resolution of my dispute ( s ) above We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.

You can still try to resolve this directly with the merchant ( s ). 
Transaction on XX/XX/XXXX, Im was in XXXX CA even they can see the withdrawal that I made and I didnt made it. 
The XXXX transactions are relatives to who had hacked me on my accounts adding that I was out of town when this transaction occurred. My device is no longer with me as well attached support documents such as my entry registration and the authorization of 07 days on the immigration form.
Product: Credit card

I have not applied for a credit card of Capital One. I checked my credit report and noticed that someone had open an account under my name. I am not aware how this happened. I disputed the credit card account and it is under investigation and the issue has not been resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Thank you.
Product: Credit reporting or other personal consumer reports

Please see attachments that are included in this complaint. My rights as a protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still being violated with request from each credit reporting agency ( XXXX, XXXX, Transunion ) to provide precise documentation on how these accounts were verified. Understanding my rights as a consumer, The accounts specified in this complaint are now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of these accounts as a debt is inaccurate and MUST be deleted.
Product: Credit reporting or other personal consumer reports

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage
Product: Debt collection

I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 CBR 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased XXXX airline tickets for XXXX each on my Goldman sachs Apple Card. 

My credit score was XXXX at that time Credit limit on that card XXXX XXXX open accounts and a total of XXXX available credit total through all accounts. 

On XX/XX/XXXX Goldman reported my balance as XXXX something and my credit score dropped down to XXXX. 

XXXX and XXXX failed to take into account my total credit worthiness and told me my utilization rate was at 55 % and is why my score was affected. Goldman Sachs, experien and XXXX told me there was nothing they could do. 

The account is paid in full already but Im not sure why they feel such a large drop after 48 hours of a purchase with an impressive history as mine was appropriate. All I did was buy XXXX airline tickets for my family and my score drops to XXXX from XXXX?
Product: Credit card or prepaid card

Ive been a XXXX XXXX XXXX XXXXXXXX for over XXXX years & this is the second time Ive had to file a complaint to get an issue resolved. One would think that they would value their customers more. On XX/XX/2021 I allowed my wife to use my credit card in the amount of {$5000.00} as a downpayment towards legal services with a company by the name of XXXX XXXX XXXX. The total amount due was $ XXXX that would be made in increments. She made an initial payment of $ XXXX and then another $ XXXX on XXXX the XXXX 2021. Payment would consist of services pertaining to tax restoration, tax filing, trust setup, legal documents & legal assistance. Once my wife got a court date the dynamics of the deal took a turn. We have come to find out these people are fraud and are not able to deliver on any of the above. The group consisted of XXXX individuals. XXXX XXXX ( first contact ) was suppose to handle tax affairs. Her spouse XXXX XXXX was suppose to handle the trust. XXXX XXXX XXXX were suppose to handle legal affairs. XXXX informed me that she recently met the others and to stop paying because they were fraud and were not going to deliver on services paid for. I have attached a thread of text messages. No services have been rendered what so ever. These people are fraud and according to XXXX use XXXX they are in violation of liability for misleading statements and XXXX XXXX XXXX is in violation of XXXX usc XXXX. I would like my fund returned to me immediately. XXXX XXXX XXXX just decided to rule in favor of the crooks, they never even asked me for any proof. case number XXXX
Product: Checking or savings account

On XX/XX/year> my direct deposit was supposed to hit my account. As of XX/XX/year> it has still not gone into my account.
Product: Debt collection

XX/XX/scrub>XXXX XXXX I'm seeing on my credit report that this account was open on the date listed. 
I never had this account open in my name. I asked for the agreement when this account was opened. Where did this account got open at. My signature, time, Id that were given when this account was open. The address that listed for this account. This company can't give me this information because I never open this account on the date they have listed for the amount. Again, this isn't my debt, and I have been asking this company to remove this off my credit report and to send me this information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries listed on my TransUnion credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX I did not provide consent or authorization for these inquiries, and their presence on my credit report is concerning. These unauthorized inquiries are negatively impacting my credit score and financial standing. 

I have already attempted to resolve this matter by contacting TransUnion and disputing these inquiries, but I have not received a satisfactory resolution. I have attempted multiple times dating over 120 days. 

I request that the CFPB investigate this issue and ensure that the unauthorized inquiries are removed from my credit report promptly. I also request that measures be taken to prevent future unauthorized access to my credit information. 

I have been denied credit that would significantly help my families financial standing due to these errors. Loosing over {$10000.00} in loan funds due to " too many inquiries on credit file '' Thank you for your time and assistance in resolving this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase at Home Depot for {$27.00} and paid this bill in full with a check for the full amount dated XX/XX/19. They did not receive the payment until XX/XX/XXXX ( they allege it was due on XX/XX/XXXX ) and charged me two fees one on XX/XX/XXXX for {$29.00} and then they charged another fee on XX/XX/XXXX for {$31.00}. I called and spoke to an automated system which " waived the fee '' and this never happened. XXXX # XXXX was a " supervisor '' who admitted that their fees were atrocious and she literally did nothing to help me. There is no rhyme or reason when it comes to the fees assessed. I didn't even receive this bill until XX/XX/XXXX because of the holiday and they did not care. They forced me to pay the fees and I find this to be criminal. This is the worst customer service I have ever dealt with in my 64 years doing business in America. Supervisor XXXX # XXXX even admitted that she has waived fees in the past and refused to help me in any way. I closed my card after being bullied, badgered and disrespected into paying this absurd and overtly aggressive late charges.
Product: Credit card or prepaid card

This refers to XXXX # XXXX with Capital One. 
I have been a CapitalOne Quicksilver Credit Card customer since XXXX of 2006 and held that account in good standing with a credit line of {$30000.00} since its issuance. All payments on the card were made on time and the {$30000.00} credit line is important to be available for eventual emergency spending while on international travel. 

On XXXX XXXX, without cause or reason, I was informed that my spending limit on this account was reduced from {$30000.00} to {$10000.00}. Obviously such a dramatic reduction in available balance will have an immediate effect on my otherwise excellent FICO Score. I did write a complaint to Capital One asking for a reversal of that decision as there is no reason to punish my FICO score with the lowering of the credit limit, rendering the card practically useless for its intended purpose. Lowering a customer 's credit limit should be based on increased credit risk or a failed performance in accordance with the agreement, and not simply some short term, average balance consideration as it does have an immediate negative consequences on the financial status of a credit card customer. 

My letter was answered with a request to call customer service. The call itself today was basically useless, because the agent on the phone was in no position to address the real issue. The agent just suggested to wait for 6 months and then apply for a credit increase, which with all due respect is ridiculous, considering the facts of this case. 

I consider this practice of CapitalOne to be misleading as they offer customers for the first 5-10 years a reasonably good credit line, then, once the card use is established and the cc number used for a lot of recurring purchases, the credit limit is randomly lowered without cause or reason, making it hard to change all recurring charges back to a different card. The decrease of a credit card limit must always be based on an increased credit risk for the lender and not just a random occurrance without cause. If the lender can not support the credit risk posed by a customer, then the bank should never grant a high credit limit from the outset. It must be taken into consideration that the reduction of a credit limit has an immediate effect on a customer 's FICO score and therefore his financial standing. This practice is in my opinion wrong and should be investigated by the CFPB.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report, with XXXX ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : 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 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. Under the Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove items opened without my knowledge, consent, or authority within XXXX business days, given ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) has antiquated web facing and payment tracking systems. Throughout the XXXX years I had my car loan with the company, I often made payments through the web interface before the due date, yet the company charged us late fees. Payments made through the site did not apply to my account as of the due date. 

Additionally, the company offered XXXX skip payments throughout the loan life cycle which in XXXX cases XXXX XXXX did not apply these which caused additional late fees and interest charges. 

With the errors in payment application, the loan has extended almost XXXX months past its original term of XX/XX/2021 and cost us about {$3000.00} in additional interest and late fee charges. I spoke with multiple managers and staff at XXXX XXXX to correct both my credit report and the late fee charges. The company did agree to remove a few XXXX dollars of late fees ; however, to date that has not happened nor have they corrected my inaccurate credit reporting to Experian. 

Although the loan has a small remaining balance, I would like two things : 1-Refund me the interest charges going back to the original term ( XX/XX/2021 ) and 2-Correct the credit reporting for the loan for all of the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totaled on XX/XX/2018 I did all footwork to ensure I would not incur any negative marks on my credit. On XX/XX/XXXX I was informed by Exeter finance that they had sent the corrected letter of guarantee to XXXX XXXX to authorize the payment. Today I called them to find the status of the loan payoff and was told that they had not yet been paid by XXXX XXXX. I was instructed to get with state farm to find out why the payment was delayed. I learned that the finance company sent the corrected document to state farm on XX/XX/18. The finance company lied to me. They pretended not to know why the payment was held up when it was due to an error they made, as such the balance increased on the loan when they reported it and caused my score to drop 65 points. I have been working for almost 2 years to build a decent score and was hoping to purchase a home this XXXX. This company purposely held the to collect additional interest and fee on the loan. I was told that the letter of guarantee was corrected and sent on the XXXX. I believe it was sent in correct format to the GAP insurance company only- as they paid the claim for {$7000.00} on XX/XX/2018 but this was not deducted from the balance when Exeter finance reported my account. I was to receive a refund for the warranty that was purchased on the vehicle but the finance company is trying to keep those funds as well since the finance company purposely prolonged the process to get additional interest from me. I honestly have been wronged. I paid this account up until I was hit by state farms driver and made every effort to make sure all documents were sent received and accurate. I believe this company maliciously did this in order to cause me to pay money out of pocket.
Product: Money transfer, virtual currency, or money service

I was called on XX/XX/24 by a person impersonating a Chase XXXX. I was advised that my accounts had been compromised. He stated hat he needed to reset my user name and password, me not thinking, I gave the scammer my information. Once I realized it was a scammer I called Chase bank and stated please do not send those wire transfers. I was instructed by the banker on the phone to go to the nearest branch, so they can close the account and open new account. While sitting with banker inside of the branch she called to XXXX department and eplained the situation and staed Ms XXXX is sitting here, she did not approve those transactions, please do not send the wire. Chase Bank sent out the wire transfers and sent scammers {$10000.00} over my daily wire limit.
Product: Checking or savings account

On XX/XX/year>, a landlord wrongfully retained a security deposit after denying a rental application. The applicant had provided the security deposit as part of the application process. However, after the application was denied, the landlord failed to return the deposit. This action was not in accordance with legal requirements, which typically mandate that security deposits must be refunded if the application is rejected. The situation represents a breach of the tenant 's rights, potentially leading to legal consequences for the landlord. 

Date of inquiry : XX/XX/year> Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Fate Texas Laws Dear PORTFOLIO, I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . It has unequivocally come to my attention that PORTFOLIO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Doneingoodfaith.