23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.
Product: Credit reporting or other personal consumer reports

I am not liable for a debt with XXXX XXXX XXXX and do not have a contract with convergent. They did not provide me with the orginial application like I previously asked. 

Account : XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' via XXXX complaint and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application stating that I agree to pay them bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

As a result of your conduct described above, you shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX.
Product: Student loan

XXXX % XXXX XXXXXXXX XXXX XXXX XXXX not being applied correctly to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX2022 one of my XXXX XXXX XXXXXXXX cards changed to a Comenity Card. 
I was unaware that change was taking place. And used the XXXX XXXX XXXXXXXX card. 
Within 24 hours card changed?

After spending over 24hrs on the phone to do my part to change card, I already realized I would never be able to work with these people. 
I paid the card off and closed account. 

Now 7 months later, the charged amount ( {$3000.00} ) is still showing and the card is on my credit reports as an open account with a balance. 

I called Comenity yesterday and the rep at Comenity stated she can see the card was paid off but she didn't know how long it would take to for that to be changed? In the mean time my credit report is showing I owe money that I paid off in XX/XX/ 2022, which I am sure is affecting my credit score. 

What can I do to get this fixed?
Product: Credit card or prepaid card

My travels were cancelled by a cruise company due to covid. I paid for this travel XX/XX/2020. The cruise company refunded the credit card I used leaving me with a {$5600.00} credit on my credit card and {$750.00} on another. Since last friday I have been trying to get someone at Bank of America to transfer my money to my checking account with them. No one will act! After about 1.5 hours of playing with their pathetic phone system i contacted the Fraud Department knowing i would reach a live person there, she transferred me to a CSR named XXXX ... .she began to do the transfer and then disconnected on me -- Never called me back! After another 1.5 hours I finally got some guy on the phone " XXXX '' i think, and he said he would do it BUT HE ONLY DID THE {$750.00} and NOT the {$5600.00} even though he was smug about my questioning why i couldn't get confirmation that he did that transfers. Seems i was right knowing that BOA CSR 's are not well trained. Well I am still today waiting for Bank Of America to refund my {$5600.00} to my credit card. I have written to them 4 times ... they sent me a form letter stating " we've been trying to reach you '' which is a LIE. So know bank of america is a liar and thief! They have not reached out, they want me to call and go round and round on their phone system. It is my money, i want it NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Here is the real irony! XXXX XXXX had my flight refund of {$3100.00} on my credit card with them. That same friday morning i called them, got a person on the phone almost immediately. They processed the credit the same day AND THAT AMOUNT WAS CREDITED TO MY BANK OF AMERICA ACCOUNT YESTERDAY! 

So another company not affiliated with Bank of America can get my money to a Bank of America account FASTER thank Bank of America can simply transfer into another of their own accounts. How pathetic is that! 

I want my money transferred today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE FROM A LOCAL MALL AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : 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

I am requesting deletion of the XXXX XXXX  collection account # XXXX from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported that I have had a collection since XXXX of XXXX  but upon my XXXX  report thats uploaded there's no collection reporting from XXXX. But XXXX has the account reported open in XXXX of XXXX??? SO THIS IS A COMPLETE LIE I found this information from my XXXX CREDIT REPORT, I HAVE DISPUTED THIS AND ITS COME BACK ACCURATE, THEY HAVE FAILED IN INVESTIGATING PROPERLY THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. all three credit bureaus have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I want this deleted completely, not corrected I have not signed any contract in XXXX of XXXX. This is FALSE REPORTING ON MY CREDIT REPORT AND ILLEGAL, REMOVE THIS
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Product: Checking or savings account

I had an IRA account in Synchrony Bank. In the middle of the year ( XX/XX/XXXX ) and after the IRA certificate of deposit expired, I asked them to wire the IRA money to XXXX XXXX XXXX XXXX XXXX. I am not aware of words as distribution or rollover. I explained to Synchrony Representative that I am opening 5 Years CD with the XXXX XXXX  XXXX XXXX XXXX and the need to wire the money to this credit union as a continuation of the IRA. The Synchrony Representative asked me to sign the paper and make edits along the way and indicated that they are wired the money to XXXX XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, Synchrony bank-issued 1099R under distribution. The representative XXXX indicated that she is willing to fix it at the beginning of the phone call, but she changed her mind within seconds during my phone call with her on XX/XX/XXXX. She said if the XXXX XXXX  XXXX XXXX XXXX indicated that THE IRA was a RollOver, She will fix the 1099R. Later on the same day, I received a call from XXXX XXXX who is working In Synchrony and refused to change the 1099R to Rollover. Synchrony Bank is punishing customers who end the relationship with their bank. The transaction should be done as a custodial transfer and not as 1099R with the distribution.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Public Record on this Bankruptcy chapter 7-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Checking or savings account

On XX/XX/XXXX I received a text message that my checking account with Chase bank was overdrawn, I went to Chase on line to see why my account was overdrawn, I was shocked to see that there were numerous of charges debited on my account to XXXX XXXX in different amounts. I called the bank and spoke with XXXX in dispute & resolution on XX/XX/XXXX. XXXX told me that the charges went further back that 60 days and that I would only be credited for the charges form the last 60 days, I was disappointed with that information, but decided that it was better than no credit at all. On XX/XX/XXXX I received a text say that my account was overdrawn again. So I went on line and saw that the credit had been reversed. I spoke with agent XXXX and she told me that since I had not reported the charged in XX/XX/XXXX the bank was denying all the charges. I explained to her what I was told by XXXX previously. She said that it did n't matter. I requested to speak with a supervisor, her name was XXXX, she said that federal regulation bars Chase Bank from crediting me any of my money that someone took from my account. I have read CFPB and that is not what it says. I was told by a bank employee that I would be credited the last days. I never received an notice of the decision to take the funds out of my account, which is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to remove the 30 day late in my account when I paid before the due date which did not go over 29 days late. 
This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. 
Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effects my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account Name of company that reported the late item ( XXXX XXXX SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries are fraudulent. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score is dropping suddenly without any reasons! Ive pay my credit card on time and set up automatic payments! They have never mentioned that why my score is dropping!
Product: Debt collection

I filed complaints for First Federal Credit Control on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX in regards to an account of {$800.00}. Although the information that has been presented by the collection agency was inaccurate and incorrect and a violation of HIPAA instead of removing or deleting the debt for its inaccuracies and for violating my rights as a patient " changes '' were made in their records to make the documentation more creditable. The reporting of this debt was made prior to allowing me to validate it which may be a violation of the Fair Credit Bureaus Act, to which can allow me to seek damages from a collection agent. The collection agency REFUSES to provide what I am asking for. I have requested NUMEROUS times for a contract or an instrument bearing my signature as LEGAL proof of the alleged debt. I did not request a " itemization of charges '' to which the collection agency has sent to my home address. Once again, I am STILL NOT requesting a bill or a " itemization of charges '' of this account because that is not sufficient documentation. I demand for First Federal Credit Control to provide a contract bearing my signature as evidence of the validity of this alleged debt. I demand that the collection agency to be compliant with my request of providing the following documentation that I am requesting, a contract bearing my signature, as that is the only documentation that I will accept as a form of validation. Until I receive the documentation that I am requesting I will continue to file complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late.

I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )
Product: Debt collection

I am a XXXX year old XXXX XXXX XXXX, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My XXXX is very poor and my future is bleak! 

I have received a communication from Convergent Outsourcing Inc. telling me that I owe {$6700.00} from XXXX through XXXX, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies 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 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  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have a few companies that I want to complain about. 

1. XXXX XXXX 2. I.C. SYSTEMS INC 3. MEDICAL DATA SYSTEMS These three companies has not complied with 15 USC 1692g and they are reporting to XXXX, XXXX, and XXXX inaccurately and unlawfully.