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

I applied for a Capital One credit card in XX/XX/XXXX. 

I received a denial letter from Capital One shortly thereafter, with the reason listed as " insufficient duration of credit '' attributed to XXXX ( only ). 

I subsequently requested and reviewed my XXXX report, which accurately listed the fact that I have had a single credit card in good standing since XX/XX/XXXX. 

I followed Capital One 's procedure for dispute resolution and wrote a letter explaining that the XXXX   report accurately reflected my record, and I received a letter stating that the decision on my application was final. 

Since I did not understand why I was being turned down for credit - there was no specific explanation regarding what in the XXXX  report suggested that my credit was of " insufficient duration '', I filed a complaint with the CFPB ( XXXX ) in XX/XX/XXXX. 

I received a letter in response from Capital One on XX/XX/XXXX which stated the following : " I looked into this further for you and can confirm that the decline was correct. Please understand the decision was based on information in your credit file. '' The letter did not specify what information in my credit file was used to provide the rationale for the denial. The letter further stated : " If you have questions or concerns, please give me a call at XXXX, etc. I'm glad to help any way I can. '' I subsequently called this number a total of 5 times over the next 6 weeks. I learned the name of the specific agent who crafted this letter - XXXX - and was told by Capital One that she would call back within 24-48 hours ( each time ). She never called back. Today, after my 5th attempt at calling XXXX, I was informed ( by XXXX in the " excecutive office '' ) that XXXX considers this matter closed and will not be calling me back. 

I still have no idea why Capital One denied my application for credit ( other than a claim of " insufficient duration of credit '' unsubstantiated by the XXXX  report ), and while XXXX provided a written response to my first CFPB complaint in which she offers to " help in any way that ( she ) can '', she now refuses to return my calls or speak with me.
Product: Credit card or prepaid card

I was intentionally deceived into opening a credit card account without my authorization or consent. I was asked if I wanted to join the rewards program and upon realizing sensitive personal information was being asked, I double checked to verify " rewards '' vs credit card which was never used throughout this process, and the associate said credit card. The process was not finished I denied authorization as I was falsely lead, she turned the screen and had finished the process for me as there were a few green buttons left that I personally did not click as I wanted the process to be stopped, but she went ahead and pushed the process forward and claimed it was already too late and nothing could be done. This store is intentionally misguiding consumers, and are taking advantage of a deceptive system. Insane the lack of customer service or respect to their " valued customers. '' Tried asking for the store XXXX on the phone, I was told I would get a call back, never did. Great resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inaccurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX ERASE IT FROM MY REPORT. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

I have attempted to reach this company by phone, email and fax to cancel service contracts that were sold to me using deceiving practices during the purchase of my vehicle. They have refused to respond to any and all communication attempts.
Product: Student loan

Before XX/XX/2018, I have paid additional {$200.00} payment to my account. The way they handled the over payment was applying the money toward the fee and interest first, whatever leftover applied principle of the loan, instead of apply whole {$200.00} toward principle. It is not like other loans that allow us to pay additional amount toward principle, which make me uncomfortable about it and feel unfair. It does not help me to pay off the loan faster. Also, they already charge us interest and fee, why the over payment still goes toward fee and interest first? And they don't the option that we could direct the over payment directly to principle without applying to fee and interest.
Product: Credit reporting

I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. Once I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the A check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX account XXXX in the XXXX of Florida and XXXX. Under the laws of the State of ( State where the car was repossessed ) UCC ( Your states UCC code, you will need to look this up ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and XXXX Article 9 remedies.
Product: Mortgage

My problem is with nation star financial.in  XXXX  I was paying  XXXX  a month, last year in  XXXX  my home owners insurance went from  XXXX  per year down to  XXXX  .so the mortgage company dropped my payment to  XXXX  a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for  XXXX  dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker  XXXX  and  XXXX  and  XXXX   XXXX  who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to  XXXX  a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them removed.
Product: Vehicle loan or lease

Hello, on XX/XX/22 I tried to pay off my auto loan. After speaking with XXXX different ladies I was told the only way to pay off the loan early was through XXXX XXXX, or mailed Cashiers check. I do not feel secure with either of these options. I complained by email to their customer care address and was responded to on XXXX that XXXX XXXX XXXX XXXX XXXX or XXXX check were my only options. I again do not feel secure using any of those XXXX options. 
I have begged to let me do a check by phone, or secure payment through the internet, but they refuse.They take payment monthly from my account but refuse to let me pay it off that way. I just want to pay off this exorbitant interest rate loan. 
The company 's name is United Auto Credit and they are based in California.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$1200.00} into my BBVA compass checking account via atm cash disposit. After inserting the bills and following most of the prompts, the atm froze. After about 8 minutes it read that my transaction was canceled and returned my card. My money wasnt in my account nor was it returned by the atm. I then called bbva customer service and let them know my situation. I was told it would be 10 business days before I would receive my money back as thats how long the investigation would take. I called last week on the XXXX and was told they had until the XXXX to return my money or issue me a temporary credit but that if I wanted my funds sooner to speak to the investigation department. Once transferred, I was informed by a manager of the investigation department that there were only liaisons between the investigators and the customer and had no control of funds being released. She instructed me to contact the branch manager of the atm location and gave me their phone number. When I called the branch the manager then told me after looking into my file that they had the wrong address on file that they had on file XXXX XXXX XXXX XXXX XXXX, FL XXXX United States, instead of XXXX XXXX XXXX XXXX. She told me that was the correct address for the branch whos atm I used. This morning XXXX XXXX ) I went to call compass customer service once again as my money still has yet to be returned and they are closed on weekends. After being on hold over and hour and transferred to multiple people who did not know what they were talking about. I got back in contact with the dispute department and she informed me that the investigation was trying to close my dispute and they hadnt even selected an address for the Location and were going to just code the dispute for lack of proper information. Now they are trying to make me wait another 15 days for my money
Product: Debt collection

Calling and try to talk to my relatives although i said i have no longer get in touch with them. Called my business phone number and my wife. I know they are debt collector although they have not state who they are. I asked them, do you know who am i, they said no, without knowing who you calling, and to my business, it's harassment. By law, Harassment is governed by state laws, is generally defined as a course of conduct which annoys, threatens, intimidates, alarms, or puts a person in fear of their safety.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned about : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 


I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Santander Bank is force placing insurance on my loan due to XXXX rules that should not apply to my property - they are wrongly treating my building like a giant apt complex instead of a small cooperative building. Numerous email and phone calls have gone unanswered - always need to talk to someone else who is never there. They have no force placed added insurance and will deduct cost from my escrow. They are stealing from me. Can you please help me get a satisfactory response from this dishonest lender? Will you please help revoke their banking charter, as they are clearly robbing consumers as a general practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have took XXXX XXXX XXXX of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX Bank : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.
Product: Credit reporting or other personal consumer reports

I filed a dispute XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, Nor correct any information. Im requesting these derogatory remarks be deleted immediately as its affecting my chances of getting ( house, Car, etcExperian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been harassed by a large number of repeated phone calls which I have not answered. After researching the phone number that kept calling, I believe it is the company Firstmark services looking for collection because I am only 12 days late on my payment. I have not answered them because I feel that due to the harassing nature of the contact attempts, I can safely assume that they are using harassing tactics in all facets of their debt collection. They have called me over 30 times since XX/XX/XXXX, only two days  ago. I will attach screenshots of the missed calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Product: Credit card

I 'm writing this complaint regarding my Membership Rewards Program from XXXX XXXX. I applied XXXX XXXX XXXX card last XXXX and keep doing normal spending on it. When applying the card it shows spend {$3000.00} and receive XXXX Membership Rewards points. I spent {$2800.00} on my XXXX. Statement and {$4900.00} on my XXXX. Statement which was far exceeded {$3000.00} spend requirement. So when I trying to transfer XXXX points from my Membership Rewards account ( Which I have XXXX Reward points in my account ) to my XXXX account it noticed me I ca n't do that because my spending is under their review to make sure all my spending are eligible. I definitely ca n't accept that so I contacted them via online chat, email and phone but they ca n't provide a workable solution. Since I need the points ASAP I have to file a complaint here.
Product: Checking or savings account

On XX/XX/2022 I made a mobile check deposit of {$860.00} to my Citibank checking account. I noticed that when I made my deposit that nothing from my deposit was made available to me. I spoke with a Citibank representative through my Citibank app and they assured me that my funds would be available to me the next business day. I checked my account the next business day XX/XX/2022 and the amount that was available to me was {$1.00}. I immediately went back into my app and started a chat with a Citibank representative again and she then sent me the breakdown of the funds hold schedule. It clearly states in that schedule that a deposit in the amount of {$5200.00} or less {$250.00} of that said money will be available to the customer the next business day. Then it goes on to further say that for New Customers ( persons with an account for 30days or less ) the monies would be available in 5 business days. The first explanation applies to me but the second expiations does not. The fact that I have to wait 5 to 6 business days to access my money is very upsetting to me and non of the Citibank employees cared and were extremely rude. Two supervisors hung up on me and the other supervisor put me on hold and never returned to the phone.
Product: Credit card or prepaid card

To whom it may concern, I just moved to the XXXX in XXXX this year and very happy that I did. Since I never lived here in the past I have no credit history so I wanted to get started with a small CreditCard to build histroy. I got a recommendation of a friend for an online card from XXXX which I applied for and got denied. 
I then proceeded to talk to XXXX XXXX back home in XXXX which I am in great standing with ( I have the XXXX XXXX Card ) and they sent a letter stating that I never had any issues or late payments, then I attached that letter and applied for an XXXX XXXX card but also got denied because I dont have any credit history. 
Then, I talked to some people and the recommened I should go to bank of america and get a fully secured card since that wont require good credithistory. I did so and got also the secured card denied because apparenty since I applied for 2 other cards in the past and got denied it dropped my credit too low for even a secured. 

I am quite frustrated because I really want to build credit history but it seems that nobody is giving me the chance to start and I cant do so without a credit card. So I thought I might reach out to you guys and see if you can help me. 

All the best
Product: Debt collection

I've tried to fix the problem through the company that is trying to collect the debt. I live in XXXX, Texas I do not live in Mississippi, this debt date that was opened is : XX/XX/2019. I've lived in Texas for 5 years. This is wrongful reporting.
Product: Credit reporting

This dispute was finalized and the creditor of the account has instructed Equifax to delete this entry from my account. It was opened fraudulently and is a causing a negative affect on my credit.
Product: Debt collection

The debt collector is attempting to collect a debt I do not owe.
Product: Credit reporting or other personal consumer reports

My account is over 11 years old yet Trans Union is only using four years and two months for history to determine my payment percentage, which is making my payment percentage much lower than it should be because youre only looking at lets say 50 months worth of payments versus maybe 130 months worth of payments, so of course the three payments that were late payments is a much lower percentage when youre counting 130 months versus only 50 months I believe they are intentionally keeping my payment percentage is low