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

Capital One Sent me a Platnum Visa pre-approved invitation along with a specific approval number with an allotted amount of time to respond. 

On XX/XX/XXXX I applied using Their own CapitalOne platform for said card and was was denied that card based on a lie. First lie that was told to me was my score was too low and it was not low. Second lie was, they did not have my accurate information. That can not be true because I have a MasterCard with them since XX/XX/XXXX. 

Because of that direct denial my scored dropped 14 points and dropped my scored with XXXX, XXXX  and XXXX. 

I called and mail them correspondence to fix the issue but all I've received from CapitalOne are lies and misleading information. 

I spoke with someone name XXXX ( not sure of the spelling of her name ) on XX/XX/XXXX to fix the pre approved issue and remove the hard inquire from all there bureau and to get a credit increase with my card on file with Capital One, but not only did she lied and try to confuse me. 

She told me that I can not get a credit increase because I'm not being proactive and requesting a credit increase. That is a lie because I've been doing so for almost a year and continue to be denied. I asked her what am I doing that does not qualify me to get what I am asking for and she had no answer for me because I am doing everything right. I make my payments on time and my debt to ratio is exactly where I should be to qualify me for the card I applied for and the credit increased I keep asking for. She advised me to apply for a credit increase and of course I was DENIED! 

Here again, is another company that offer FALSE services to improve my credit and once again instead of doing what is being advertised and offer specifically to me. They did the opposite and destroy my credit instead. 

I've done everything they ask of me but they are not doing what is right and what they are advertising they will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$XXXX} XX/XX/year> I have reached out to all these people requesting they take this off my credit, that this is not me. I have disputed claims which come back no action taken. I have also filed fraud on my information with the FTC
Product: Credit reporting or other personal consumer reports

I have reached out several times to Transunion about 45 inquiries that have hit my credit profile. I have informed them that I am a victim of identity theft. They advised me they see the alert on my profile and the FTC Identity theft packet. Unfortunately they have failed to remove the inquiries off my credit profile. I told them that according to the FCRA these unverified and unauthorized items must be removed. Instead they have chosen to ignore me as a consumer who is concerned about my credit and currently in the process with the FBI hiring process. They are in huge violation. I even told them I was reporting them to CFPB if theses are not removed and the agent disconnected the line.
Product: Credit reporting or other personal consumer reports

I have been requesting that my credit profile be updated. Credit card statement has been updated already with XXXX and XXXX  it has been more than 30 days since the update and yet I have not seen a change in my score or an update of my credit card payment which is hindering me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment XXXX.
Product: Credit card

Capital One made a decision about my credit that is obviously incorrect. I attempted to contact them multiple times through their website and customer service lines for assistance, and the only response I got was a suggestion that I open another credit card with them. I wrote a letter directly to their complaint department and still have received no follow up. Capital One 's policy to ignore complaints and hope they go away is not appropriate.
Product: Debt collection

I received two collections letters from XXXX XXXX XXXX ( aka XXXX XXXX ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.
Product: Checking or savings account

To Whom it May Concern, On XXXX XXXX I made a purchase from XXXX using my Citibank debit card in the amount of {$1600.00}. I did not use XXXX. I was only supposed to spend {$1600.00}, but somehow I was double charged the same amount of money. Two transactions in the amount of {$1600.00} were deducted from my citibank checking account immediately and at the same exact time. I called ebay customer service right away and I also spoke with the seller. They assured me that there was only one transaction and purchase in the amount of {$1600.00} in their records. Then, I called citibank convinced that they would not have a problem reversing the duplicate transaction. In the past, any other bank would have done that with a duplicate transaction. Not citibank. I spoke to a supervisor who told me that most likely the double transaction would be voided within 3 days, but just in case he suggested to open a dispute. When I heard that the soonest I could see my money back in my bank account would be between XXXX to 120 days, I wanted to cry. I waited 3 days, but my money was not refunded. I called back citibank and demanded to speak to a manager. I was denied the courtesy to speak with a manager. I was transferred to a supervisor who told me in a recorded call that my money was set to be deposited in my account as soonest as XXXX that night or the latest first thing in the morning because citibank decided to reverse the duplicate transaction. I was pleased with the results until the next morning when I found out that no money was refunded to my bank account. I called citibank again and this time they asked me to disregard the phone call I made to a supervisor the night before. I kept asking the supervisor to play the recorded call from the night before, but he refused. Citibank is refusing to reverse the duplicate transaction in the amount of {$1600.00} and they are asking me to wait between XXXX to 120 days for them to complete their dispute. Citibank is keeping my money for XXXX to 120 days for a duplicate transaction that should have been reversed. They are keeping my money for their personal interest and use.
Product: Credit reporting or other personal consumer reports

Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX XXXX 

Account Name : XXXX XXXX Credit card name : XXXX XXXX  and XXXX XXXX XXXX Credit card number : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX  ; XXXXXXXX XXXX XXXX XXXX i contacted them because i found a few inaccurate information. and that i wanted removed according to the FCRA. ALSO XXXX DATA BREACH CFPB # XXXX.WAS SOLD THRID PARTY I DIDN'T GIVE PERMISSION. ARTICAL 15 USC 1637, 15 US CODE 1601, ( CODE ) ; 15 US CODE 1602 ( 15 US CODE 1692 ) ( 15 US CODE1681
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item/account/information below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2014 Balance : {$0.00}
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital Systems LLC ( account XXXX ) for violating my consumer rights as per the regulations outlined in the Consumer Financial Protection Bureau ( CFPB ). The specific violations pertain to the handling of a debt placed on my credit report without providing me with proper written notification and validation information, as required by federal laws. 

XXXX. Lack of Written Notification : According to my credit report, Jefferson Capital Systems LLC has placed a collection account under my name without ever providing me with written notification of this debt. This violates the provisions set forth in 12 CFR 1006.34 ( b ) ( 5 ), which mandates that consumers must be notified in writing about any debt placed for collection. Please provide me proof that I received a written notification of this debt. 

XXXX. Failure to Provide Validation Information : Despite my request for validation information regarding the alleged debt, Jefferson Capital Systems LLC has not provided me with the necessary documentation as required by law. This directly contravenes 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which grants consumers the right to dispute accounts and receive validation information upon request. 

XXXX. Use of False and Deceptive Means : Furthermore, I believe that Jefferson Capital Systems LLC has engaged in false, misleading, and deceptive practices by reporting this debt without adhering to the proper notification and validation procedures. Such actions not only undermine my consumer rights but also contribute to an inaccurate representation of my creditworthiness. 

XXXX. Violation of Reporting Disclosures : The collection agency has also violated 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by furnishing this account to consumer reporting agencies without providing the necessary disclosures and information required by law. This constitutes a clear breach of federal regulations governing the reporting of consumer debts. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Jefferson Capital Systems LLC for their non-compliance with consumer protection laws. I request that this information is deleted from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX email : XXXX XXXX
Product: Credit card or prepaid card

Chase Sapphire Preferred and Chase Freedom Unlimited without cause or giving me notice slashed my credit limit on both cards by {$4000.00} and {$3000.00} respectively. I have made all payments on time and I always pay more than the minimum amount. I had to make credit purchases to cover unforeseen expenses such as automotive repairs. I called customer services and was told Chase could slash my credit limit at anytime and they were not required to inform me. This is unjustified and arbitrary on their part and I have been discriminated against for unknown reasons. I explained I am a XXXX  veteran and now XXXX   from the XXXX XXXX. I have always paid my financial obligations and by Chase slashing my credit limit has severely damaged my credit scores and placed an undue burden on my finances. The Chase Credit card corporation needs to be held accountable for their callous and mean spirited practices. Their reckless disregard for their customers is inexcusable. Chase slashed my credit limit on or about XXXX XX/XX/2019. I request your assistance to rectify this matter because Chase does not care about the consequences of their thoughtless decisions that in my case has caused an approximate 70 points drop for my credit scores. Chase should explain to your bureau why they approved me in the first place and without notice decided with what I feel is malicious intent and they are in violation of the law. As a citizen and consumer who has followed the law and common courtesy I will continue to pursue justice and notify my government representatives and the news media about Chase Bank Credit. They are greedy thoughtless cruel and unpatriotic corporate bullies. Please assist me in my efforts to expose their awful and illegal business model. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

my credit information being use without consent and fraud report and stolen identity thru Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police  made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX Experian Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX  details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
XXXX more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I closed my mortgage in  XXXX     2017. Wells Fargo has not provided me any bill whatsoever and when I call there   XXXX   number they are unable to help. I do n't want my credit score negatively impacted because of their inability to get me a bill. All I want to do is pay my mortgage. It is very simple but they seem e ither incompetent or unwilling to assist.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i Have filed several complaints from my end, Nothing is being done from bureau side, I demand my rights, please remove all the items listed in the FTC.
Product: Debt collection

This complaint submission is in regards to a false credit report by SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/2023, and XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by SOUTHWEST CREDIT SYSTEMS has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.