23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested a credit limit increase with my GS Apple Card several times. With my credit score being over XXXX and income being over XXXX. They deny my request for a credit limit increase with the reason being my credit score is below XXXX and other items that are not there on my credit report from the same bureau. XXXX or Goldman Sachs is using inaccurate information to assess my credit line increase. They say that is the information they receive from XXXX, but the credit report they use is not dated on the day of the credit limit request but a month before and shows the incorrect score and information. I recently applied for an apartment where my XXXX score came up as XXXX. I applied for a credit line increase shortly after and they said my credit score was a XXXX and the report was dated XXXX weeks or a month before.
Product: Vehicle loan or lease

In XXXX of 2022 I called Volkswagen credit XXXX  XXXX twenty times. I had paid a payment of XXXX to cover up to XXXX for XXXX and XXXX. I paid XXXX and XXXX but not XXXX. They were overcharging me and taking thirty days to complete a payment so It would be late and they would not fix the problem. Then I did not pay the month of XXXX after trying to reason with them in XXXX and get help with the loan as they were charging {$250.00} for late fees at this point without any letter of late fees change from XXXX to {$15.00} and then so on up to {$250.00} for one month for one late fee, and for being so upset for not being listened to and for paying XXXX a month in a COVID crisis. Two days before my due date of XX/XX/XXXX, they repossessed my car without any warning. In the state of Massachusetts that is illegal. There must be three letters of repossession warning before a car is taken and I got none. Then after they stole and sold my car for XXXX, they did not give me the remaining balance. As I only owed XXXX to XXXX at this point. Therefore they owe me money or the return of the same car with the same payment plan. My name is XXXX XXXX and my number is XXXX and I want XXXX!!! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX negative accounts. on my credit report. One is XXXX XXXX Bank. Credit account amount for The XXXX # is XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is PNC bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened up XXXX accounts under my name at XXXX Georgia and I never lived there. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Experian/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this week, Equifax was hacked. Based on the service they provided to determine if you 're affected, I may be affected. But this whole service funnels back into Equifax, ultimately giving them more opportunities to take advantage of customers. 

In short, their whole business model and role is to do credit monitoring and reporting, and they 've failed to do so responsibly. In reaction, they 've set up a way to confuse more consumers and take more payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone tried to open a capital one credit card in my name my credit monitoring service altered me an I immediately contacted capital one an reported the frudlint account, Thay did a investigation an determined it was frudlint an I was promised that the account and the inquiries and the address associated with the frudlint account would be removed from all XXXX of my credit reports within XXXX  day 's it's been over XXXX day 's I've reached back out to capital an all XXXX of the major credit reporting agencies with no luck nobody will help me, I repat the account was invested an determined as frudlint by capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One posted inquires on three occasions I don't recall or recognize. I did not authorized any of those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and XXXX INDIGO ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX INDIGO and investigate such occurrence.
Product: Credit card or prepaid card

I received today, XXXX/XXXX/23 a complaint from the XXXX XXXX NJ XXXX about a suit filed by XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( Attorney ID XXXX ) on behalf of American Express National Bank- which is NOT the credit card issuer. 
I reached out to American Express on XXXX/XXXX/23 via phone # ( XXXX ) XXXX I have made all of my monthly payments to American Express via their account portal, the most recent on XX/XX/23. They have accepted ALL of my payments. 
In speaking with the first representative, " XXXX '' employee XXXX XXXX she stated that the account is now being handled by an outside company called " XXXX '' - this issue at hand - ( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( 2 ) American express can not tell us WHEN it was transferred ( 3 ) the complaint is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay, not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
I was transferred to another representative, XXXX 's supervisor supposedly. His name was " XXXX '', Employee ID " XXXX ''. XXXX reiterated that the account was transferred to an outside agency " XXXX '' and that we would have to speak to them. AGAIN...... explained to XXXX .... 
( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( XXXX ) American express can not tell us WHEN it was transferred ( XXXX ) the complaint we received is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay -not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
XXXX was extremely Rude, belligerent, and unprofessional when we questioned why ( a ) if transferred to an outside agency, why they " American Express '' is still accepting my payments. ( b ) why I was never sent any notification of the Transfer ( c ) why I'm receiving a complaint from the NJ XXXX with a filing from an attorney NOT representing said agency but instead, Representing American Express! he disconnected our call! 
I am simply asking for information, a paper trail - that American Express seems to either not want to provide, or can not! Can someone please assist. as the consumer, I hae a right to the correspondence. 
I then spoke to another customer service Representative, " XXXX '', XXXX ID XXXX and she again, reading from a script, no doubt - would not connect me to a supervisor.
Product: Credit reporting or other personal consumer reports

There was a hard hit on my credit from JPMCB on XX/XX/year> which I did not authorize and do not recognize. There is also a phone number associated with my account which is not mine ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent disputes to Equifax regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Equifax to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number : XXXX 3. XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX, Account Number : XXXX 7. XXXX Bank, Account Number : XXXX
Product: Student loan

on XX/XX/XXXX I send out a letter to opt out of nelnet 's authorization. They ignored my request and continued to send me mail to a name I am not affiliated with and also continues to report on my consumer report false information. as per the educational and privacy act of XXXX and 34 cfr 99.31 this company is acting out of compliance and reporting protected information.
Product: Debt collection

I received a letter in XXXX Mail postmarked XXXX XXXX, 2016. This letter was addressed to the : '' The XXXX of XXXX XXXX. '' Please know that I am not deceased. I feel this is very abusive and unethical manner of trying to obtain information regarding any outstanding debts I may have. Another egregious point is they name their company Ascension Point as if it is some sort of religious or other sectarian organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

This is the third request. You are required by Georgia  state law, XXXX. XXXX, to send all notices by certified mail to be eligible to collect a deficiency balance. Yet you failed to include evidence that the Right to Cure ( RTC ) and Intent to Repossess notices were sent via certified or registered mail, as required by Georgia law. Failure to provide proof of certified mailing constitutes a violation of this statute and renders any further actions on this account legally void. I have requested this information twice through the CFPB portal on XX/XX/year> and XX/XX/year> and both responses were identical and did not include the state-required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm accordance with the Fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XXXX XXXX, requested documents from Fay servicing. Documents requested was copies of all modification XXXX, XXXX, XXXX, XXXX from XXXX XXXX attorney, and XXXX from XXXX XXXX attorney pertaining to XXXX XXXX XXXX XXXX Tennessee XXXX. Copies of all reaffirmation sign by the bankruptcy court XXXX, XXXX.
Product: Vehicle loan or lease

I got a notice from my bank that my car loan was late. THAT day I went to the bank to fix the problem. They repeatedly assured me that it was their mistake, and that I had fixed it in a timely manner. I then received a letter that stated I was 60 days late on my credit for the late, that I was strongly under the impression had been fixed. I am outraged. HELP ME PLEASE!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX Services for Failure to Provide Documentation and Fraudulent Account Reporting. 

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of an account that they have reported as mine. Despite my efforts to seek validation of this account, XXXX XXXX XXXX has failed to provide me with the necessary documentation. I want to reiterate that this account is not mine and is a result of fraudulent activity. 

On XX/XX/year>, I emailed XXXX XXXX XXXX requesting documentation to verify the legitimacy of the account in question. However, to date, I have not received any response from XXXX XXXX XXXX, nor have they provided the requested documentation to validate this debt as mine. 

In addition to their lack of response to my email, XXXX XXXX XXXX has also failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These violations include : XXXX. Failure to provide accurate and complete information about the account. 

XXXX. Failure to conduct a reasonable investigation after receiving a dispute from a consumer. 

XXXX. Reporting inaccurate information to credit bureaus without verifying the accuracy of the information. 

XXXX. Failure to provide a method for consumers to dispute inaccurate information. 

I am deeply concerned by XXXX XXXX XXXX ' lack of transparency and their disregard for consumer rights. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for their violations of consumer protection laws. 

As a consumer, I have the right to request and receive documentation that substantiates the existence and ownership of any debt being pursued by a collection agency. It is imperative that XXXX XXXX XXXX complies with this request in a timely manner to ensure fair and lawful treatment in this matter. 

To clarify, all of the following documentation is required to substantiate the legitimacy of the collection account in question : XXXX. A complete account statement detailing the original creditor, the amount owed, and the date of delinquency. 

XXXX. Copies of any contracts or agreements related to the debt with my signature. 

XXXX. Proof of ownership of the debt by XXXX XXXX XXXX. 

XXXX. Verification that XXXX XXXX XXXX is licensed to collect debts in my state. 

XXXX. Any other relevant documentation supporting the collection account 's validity. 

If XXXX XXXX XXXX is unable to provide the necessary documentation to validate this debt as mine, I demand that they immediately delete this account from all credit reporting agencies to which it has been reported. Failure to do so will result in further action being taken to protect my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I was scammed by someone who has me cashapp them XXXX $ in a scam. I sent screenshots as proof as this scammer was trying XXXX different cashapp accounts for me to transfer to. This when I reported that I had fallen for a scam cashapp refused to refund my money lost stating that the refund was denied. This was unacceptable and unauthorized as had I been aware this person was a scammer I would have never have sent over any money. Despite having the screenshots proving so I was still denied my refund
Product: Credit reporting or other personal consumer reports

I was paying Lexington Law for about a year and nothing really changed with my credit score! I am aware that they have a class law against them right now for the same issue
Product: Debt collection

Americollect is a collection agency claiming a debt that is NOT owed by me. 

it is impossible for me to owe this claim debt to your claimed debtor as i was not present in the United States during the claimed rendered service date provided by your collection agency to myself as the date of the claimed service was rendered. Please review evidence consisting of plane ticket reservations as well as hotels reservations as well as my return tickets. i was not in the USA from XX/XX/2018 and returned XX/XX/2018. 

I have contacted them repeatedly and provided evidence and still collecting and reporting to the credit bureaus regardless of the provided evidence
Product: Debt collection

I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.
Product: Credit reporting or other personal consumer reports

My credit score went down XXXX by TransUnion. Due to a remark code that no one can explain to me. The account is from XXXX XXXXXXXX XXXX. I don't even have that card. I disputed with transunion and they decided to add remark codes stating I was late with payments and I dont even have the card!!
Product: Debt collection

Company is claiming I owe money to them, I don't owe. I disputed it with the Credit Bureau.
Product: Credit reporting

I 'm in the process of trying to get a mortgage from XXXX XXXX XXXX. In doing that XXXX looked at my credit report & saw some outstanding things:1.There was a judgement from XXXX back from XX/XX/XXXX which i do n't know anything about. 

2.There was a tax lien which I paid in full but needed it remoed earlier than XX/XX/XXXX in order for my credit score to go up to get a better mortgage. 

3.I also had a volunteer return for my old XXXX XXXX , but it shows as a " repo ''. I was behind a couple months, then I contacted XXXX XXXX & drove the car myself to the dealer where I ought it from to return it. Once XXXX sold my XXXX, they gave me a check for the difference in balance, so how can this be a repo if XXXX gave me a check for the difference when the vehicle was sold? 

4. There 's also a collector trying to get {$200.00} from when I was in the emergency room, however I have Full medical coverage from my work & i paid the co-pay to the hospital. The emergency visits are covered. How can the hospital try to collect from me, when I already paid the co-pays? 

I just called Experian & XXXX XXXX this morning to get all of the above issues investigated. However, I had to do with automated teller, then deal w/Phone operator which did n't have a good attitude, so I 'm afraid that they may not process correctly? I hope that you guys can help me in following up with them to make sure that they remove these outstanding issues in order for me to get a better credit score so that I may get this mortgage from XXXX XXXX XXXX & start a new chapter in my life with my wife. 
Thank you in advance for your help in this matter
Product: Credit reporting or other personal consumer reports

I received an inquiry on XX/XX/year> from Capital one that I have no knowledge of. I called Capital one and told them that havent tried to open any new accounts recently and that the inquiry wasnt me. They said they would investigate. Fast forward to today nothing has happened.