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

I have been a customer of CapitalOne for roughly 10 years. With 3 credit cards and 2 banks accounts. I have also had a card loan with them. 

This week I randomly received a notice that my second oldest Credit Card was being restricted and cancelled due to lack of activity within 90 days. This was my emergency card so I never used it but kept it just in case. 

There are two problems : 1. The minor problem is that CapitalOne never notified me nor gave me any warning that my card was in danger of being closed if I did n't use the credit line. I exclusively use Credit Cards for all purchases possible, therefore, I would have used it if I had known, but I had no warning. 

2. The Major problem is that this being my second oldest card, and CapitalOne forcing me to close the account against my will without giving me a chance to use the card has directly and NEGATIVELY impacted my Credit Score. 
a. This will lower my Average Credit Age. 
b. This will lower my overall credit line across all my cards. 
c. This will raise the percentage of credit used to credit limit ratio used across my cards. 

All three factors are going to negatively impact my credit score, which is ludicrous because I have spent the last 10 years being a responsible creditor and building my credit score up. 

This will directly impact my ability to get the best interest rates on loans and I have been waiting and patiently savings to a buy a new car next month. I 've had a car loan with CapitalOne in the past, and guess who I was planning to use this time around? CapitalOne has never does something for me to complain about like this. 

Then CapitalOne stated that I could simply open another account with them. However, this would just hurt my Credit Score even more as : a. It will lower my Average Credit Age even further. 
b. It will add a hard credit check on my record for the next 2 years. 

I have been good customer with CapitalOne and have never had any issues or complaints until now. 

Additionally, CapitalOne supervisors claimed that they have no one in the company that understands Credit Scores. They only report to the credit bureaus but are unaware of how Credit Scores work. This should of course be very concerning to all current and potential clients of CapitalOne as they are a bank, credit card and loan company.
CapitalOne needs to : 1. Hire someone that  understands how Credit Scores work.
2. Realize that their actions can negatively impact their client 's Credit Scores and make fair decisions accordingly.
3. Notify clients that their accounts are in danger of being closed if not utilized BEFORE closing the account.
4. Have a direct procedure for reversing account closures as I have had several calls with CapitalOne now and they state that it is impossible to reverse the account closure or let me talk to someone who can help me. 

I am still reaching out to CapitalOne but as it stands my credit score will be negatively impacted and not because I messed up but because I decided to be a CapitalOne customer.
Product: Checking or savings account

I received a wire transfer to my Chase checking account, which I have held for XXXX  years, from the proceeds of a property sale. I attempted to transfer these funds to my investment account by visiting a Chase branch twice. Both times, after successfully submitting the wire transfers and receiving confirmation from branch staff, the Chase fraud department canceled the transactions.

The only way I was able to complete a wire transfer was by doing it online. However, the online transfers were limited to smaller amounts, which would require paying multiple wire fees. To avoid these extra costs, I preferred to complete the transactions in person at the branch.

After multiple failed attempts to transfer my funds and numerous phone calls verifying my identity, I received a message from Chase on XX/XX/year>, stating that my account had been restricted. The message instructed me to call immediately to provide information to avoid account closure. I called within minutes of receiving the message, but the representative informed me that my account had already been closed, and there was nothing I could do. I offered to provide any required documentation, but I was told the decision was final and that I would receive my remaining funds via check in the mail. 

On XX/XX/year>, I called Chase again to check the status of the check and to ask for an explanation about the account closure. I reiterated my willingness to provide any necessary information. The representative stated that my funds had been suspended and were under investigation. I asked to speak with a manager, and upon being connected, the manager informed me that no information could be provided regarding the account closure or the investigation. They also declined my request to speak with someone from the investigation department.

I remain willing to provide any necessary documentation to resolve this issue and would appreciate clarification on why my account was closed, why are my funds are being withheld, and would need my funds returned to me.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 reporting or other personal consumer reports

Subject : Request for Method of Verification Pursuant to FCRA Dear Experian Team, Please be advised this is MY SECOND WRITTEN REQUEST, formally disputing the accuracy of information being reported under my name on my credit report. Although you responded stating the information has been verified, as a consumer seeking to ensure the accuracy of my credit file, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), ( 15 USC 1681i ( a ) ( 7 ) ), which mandates that a consumer reporting agency must provide the method of verification they relied upon when responding to a dispute. XXXX XXXX XXXX XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete these accounts Under the FCRA I have the legal tight to obtain the following : Method of verification : For purposes of this section, the term method of verification means ( A ) procedures that a consumer reporting agency uses to verify the accuracy of information disputed by a consumer ; and ( B ) the identity of the person providing the information that is the subject of the dispute. Documentation of Investigation : Please provide details of the method used to verify this information, including the original source of information and the specific documents reviewed during your investigation process. 15-day Requirement : I have reached out to your office regarding inaccuracies in my credit report, and I expect full compliance with the provisions of the FCRA. According to Section 611 ( a ) ( 6 ) ( B ) ( ii ) ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) ), it is your obligation to investigate of my dispute and provide me with the results, along with the method by which you verified the accuracy of the disputed information. Furthermore, under Section 611 ( a ) ( 5 ) ( 15 USC 1681i ( a ) ( 5 ) ), if the reported information is found to be inaccurate or unverifiable, you are required to promptly delete the item from my credit report. I expect a thorough investigation of my dispute, including a detailed account of the method used to verify the information that I have contested. Failure to comply with these legal requirements may result in further action, including a complaint to the Consumer Financial Protection Bureau and potential legal action. Please provide me with the requested documentation within 15 days of receiving this letter. It is essential for my financial well-being that this matter is addressed promptly and accurately. I have submitted the final walk through with no charges and they only submitted a lease that does not verify charges. Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a copy of an identity theft report along with an affidavits requesting Equifax information services llc to remove 2 unauthorized inquires listed on my credit report. I never authorized anyone nor any establishment or business to pull my credit. These inquires are fraudulent and I'm requesting they be removed immediately. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.
Product: Debt collection

I have repeatedly tried to contact diversified consultants about a incorrect account on my XXXX, XXXX and XXXX  credit report. Its hurting my ability to apply for credit.
Product: Credit card or prepaid card

On XXXX XXXX, 2021 I received a debit card from US bank. It is stated that it is for the Ohio Unemployment Insurance program. I did not request this, it came to an address I lived at over 11 years ago. I have never lived or worked in the State of Ohio. I had my identity stolen 6 years ago and this may be related to that. Please let me know if further info is needed. 


Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the experian. the issue was not resolved.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX Bank, related to an account titled " XXXX, '' to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, andXXXX XXXX XXXX XXXXXXXX. I have yet to receive any response from XXXX XXXX, related to an account titled " SYNCB/Lowes, '' and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did notify XXXX XXXX, related to an account titled " XXXX '' of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage through Chase. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, Chase stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on XXXX XXXX score because this account shows as closed rather than being open, current, and never late. 

I've tried to get Chase to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to Chase about the discharge and yet, Chase continues to refuse to report this activity. 

This is creating obvious issues with XXXX  scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?
Product: Debt collection

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX XXXX reporting agencies XXXX XXXX XXXX 

This item in specific detail retailer installment account last four # XXXX at XXXX XXXX XXXX XXXX is not delinquent and is inaccurate because pursuant to " Cal.Civ. Code sec 1810.4 '' ( " The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever shall be taken, received, reserved, or contracted by the seller or holder of a retail installment account except as provided in this section. '' ) Also according to " Cal Civ Code Sec 1788.10 '' ( " No debt collector shall collect or attempt to collect a consumer debt by means of the following conduct : ( a ) The use, or threat of use, of XXXX XXXX or XXXX or any criminal means to cause harm to the person, or the reputation, or the property of any person ; ( b ) The threat that the failure to pay a consumer debt will result in an accusation that the debtor has committed a crime where such accusation, if made, would be false ; ( c ) The communication of, or threat to communicate to any person the fact that a debtor has engaged in conduct, other than the failure to pay a consumer debt, which the debt collector knows or has reason to believe will defame the debtor ; ( d ) The threat to the debtor to sell or assign to another person the obligation of the debtor to pay a consumer debt, with an accompanying false representation that the result of such sale or assignment would be that the debtor would lose any defense to the consumer debt ; ( e ) The threat to any person that nonpayment of the consumer debt may result in the arrest of the debtor or the seizure, garnishment, attachment or sale of any property or the garnishment or attachment of wages of the debtor, unless such action is in fact contemplated by the debt collector and permitted by the law ; or ( f ) The threat to take any action against the debtor which is prohibited by this title. '' ) I am requesting that XXXX XXXX have the delinquencies removed and account updated in accordance with Cal Civ Code sec 1810.4 and sec 1788.10. 



Attached are copies/exhibits of documentary evidence with description, supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them correct the disputed item as soon as possible.
Product: Checking or savings account

XX/XX/XXXX I was trying to get gas and my card was declined, this is wells fargo account. I saw I had missed calls from the bank and an email, so I called them, the informed me that my account was endanger of being hacked, someone called the bank acting like me to obtain my account. Wells Fargo flagged it and tried to contact me, so I called them and was told my account was compromised, then the rep proceeded to help me close the one checking and open a new checking right there and then on the phone. 
She gave me a new account number but left off the last digit, so with that I contacted all my bill payments, and my wife changed everything that was set up to come out of my account automatically. I even gave the new account information to my payroll department at my company I work for, so my direct deposit would not be interrupted. I gave the number that the wells fargo representative gave me, the number with the last digit left out- she gave me an account number of last four digits of XXXX, the XXXX left off last digit, maybe on purpose I don't know. Well, my pay never hit because it was the wrong account number, my pay was XX/XX/XXXX, and it was for at least XXXX I work hard for my money, and I make good money. It never hit that bogus account and to this day it is unaccounted for, Wells Fargo makes every excuse they don't have it and my payroll and human resources department for my company has checked numerous times, they received a notice saying the money was returned to bank wells fargo. It turns out the correct last four digits should have been XXXX, not XXXX, big difference. No one at wells fargo will help me, I feel like this money went into an account and is gone, well there insured for stuff like this it's not like XXXX dollars it like XXXX XXXX dollars big difference. Please help me get my pay back, I live week to week and that really hurt me not getting that paycheck. I have numerous accounts with Wells Fargo never had an issue, but all the people I talked to regarding this issue they kept putting it back on payroll company and they have a receipt that says issued back to bank. I feel like they are covering up a major XXXX XXXX Please help me I work hard for my money. 
Thank you- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On several Ocassions I have notified Equifax to remove unauthorized credit inquires from my credit report and they are the worse credit bureau ever. They always hang up the phone when you call them, they refuse to help you, they never ever respond to any mail that you send them. I understand that we are all going through a crisis right now and more than ever these credit reporting agencies need to be trying to help people instead of hurting them even more. I pray that you all have them to remove these erroneous inquires from my credit report today. Thank You, XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX on XX/XX/2022 I had deposited 3 checks into my Navy Federal Credit Union for my friend because he doesnt have a bank account. He did let me know he tried to cash them at a check cashing place but they charge a percentage based on the amount. So we had deposited the checks into my account to which Navy Federal put a hold on my account to assure that the checks wouldnt bounce bank for my safety. I has been almost a year now and I still have a balance in there in the amount of XXXX, I had reached out to Navy Federal, as well as filled out in appeal form and I still have not heard a response so I am reaching out to you guys to get assistance on accessing my account back, please help! 
Account # XXXX Routing # XXXX
Product: Debt collection

Im trying to close on my home. A title searched showed a lien on my property that I have no idea who these people are. 

It is recorded in XXXX XXXX XXXX XXXX in XXXX GA per Case Number XXXX on XX/XX/XXXX. 

The judgement was in favor of XXXX XXXX at XXXX. 

I called and they transferred me to Stegner and Stenger Law office located at XXXX XXXX XXXX XXXX XXXX MI XXXX at XXXX. 

I spoke to XXXX XXXX on XX/XX/XXXX. She was very rude and confrontational. After explaining I was not this person. She insisted that I must provide the last four digits of my social security number otherwise she couldnt give me any information. 

Under coersion I provided the last four digits of my social security number and the only information she provided was an email address. 

She did not need any part of my social security number to provide an email address. 

To tell me I need to send an email to have it removed is crazy. They should have removed it automatically since its the wrong person
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

On XX/XX/XXXX, I paid off my entire balance with XXXX XXXX. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with Equifax and uploaded bank statements showing the account was paid, XXXX XXXX statements showing a XXXX   balance and a letter from XXXX XXXX stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating XXXX XXXX is confirming the balance of XXXX as valid and past due. I have spoken with XXXX XXXX every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to Equifax 5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. Equifax has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.
Product: Debt collection

This debt is not mine and they continuously say they have a contract from me that I never saw nor signed. I chatted with a representative in the online chat system that they offer and she provided me with false addresses stating they were on the application then I received documents in the mail with a very different address on it. None of the credit bureaus they have on reported to have a po box reporting for me as an address I used before so the fact that they are harassing me for this is ridiculous and my credit is the one thats plummeting.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent inquiries on my consumer report, which are not linked to me. These inquiries have caused me significant mental and financial distress, as I am a victim of identity theft. If not addressed properly, I may have to consider legal action. The inaccuracies on my report have obstructed my ability to purchase my dream home and support my family. For your reference, Ive attached a copy of my letter to the Federal Trade Commission ( FTC ) detailing this issue and my request for resolution.
Product: Mortgage

I paid the delinquent XXXX XXXX property tax bill {$3200.00}, XX/XX/. I had less than 30 days to pay or there would be more penalties. 
Sent letter ( information ) to company- M & T MortgageXXXXBank XXXX XXXX XXXX, XXXX  Ny XXXX