23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My husband and I signed up for the Capital One XXXX credit card. He is the primary account owner, and I am an authorized user. The intended use was to apply points to flights and hotels. At the time of signing up, we were told we could use the points with any companion airline ( where deals are very good ) or through Capital One 's portal ( where deals are much worse ). This card has a {$390.00} fee that is charged as soon as you sign up. We went to book flights with a XXXX  XXXX  XXXX weeks after getting the card, and were told that our identitiy could not be verified. Upon looking at forums online, it appeared that Capital One, without saying so in their Terms and Conditions, doesn't allow new users to apply points to XXXX XXXX for an undetermined amount of time after opening a new card. This is not mentioned in their Terms. My husband called Capital One to get this sorted out, and they told him they couldn't help him, and that the only option was to use the much worse points transfer through the Capital One portal. They refused to escalate the issue, then hung up on him with no resolution after refusing the refund the {$390.00} fee. We have gone through this process several times with other credit card companies, and have never had this issue, or been deceived about the Terms and Conditions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices.which violates the consumer financial protection act ( cfpa ). Specifically. Cashapp failed to take timely and effective measures to prevent and address fraud on their platform.leaving my account vulnerable and unprotected.Furthermore. Their dispute resolution process was unfair and deceptive.as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and poverty for my family.and I seek appropriate redress for these violations.. {$32000.00} was stolen from my account and I have been fighting to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the news reports confirming that Equifax had security practices which led to the improper disclosure of personal information, I visited XXXX XXXX/XXXX/XXXX where Equifax informed me that my " personal information may have been impacted '' by their data security failure.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Product: Credit card

I purchased an American Express Bluebird card at the local XXXX. I loaded it with {$500.00} cash. 
After reviewing the disclosure document enclosed with the temporary card, I requested a refund of my money. I never used, activied or signed the card. I called XXXX days after the purchase. 
I was told when I called to check status of refund, the refund was processed on the XXXX of XXXX. I requested the refund on the XXXX. Fine, it was processed late, but I waited, going to the post office and calling the XXXX day, when the check was not received. I was put on hold and left on hold not once but twice, lied to by he first clerk who actually told me they do not process refunds, which I replied that the disclosure states quite clearly that you DO. He then put me on hold, in the ruse to get a manager, and never came back. I have been going back and forth with this since, I still have not received my refund, and the delay caused me financial setback, and stress, XXXX, pain and lack of sleep. I am at my witts end with this I can not tell you how this has caused me so much XXXX and distrust. I can not comprehend what is going on and why. Please help me get me cash refunded and the financial loss I suffered as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

Unfortunately I had to file Bankruptcy with Tower Loan in XXXX, MO. Being one of the creditor 's. I called in and gave the lady employee my lawyers information and let her know what was going on. The branch manager then called me back trying to convince me that the best move was to still pay them. I explained it was better for me to file on all my creditor 's. At that point
XXXX  said that he was taking this personally. He had " stuck his neck out " for me to get the loan and it was a " kick in his XXXX  '' then he told me it
was the worst time of year for me to do this and that I was " XXXX  up his XXXX  bonus '' He then went on to say how " he didn't know how I could stand myself i was a bad person '' " your just a horrible person '' He then threatened " ill be at your hearing wait until you see what happens ''
Product: Mortgage

Late fees of {$36.00} charged 4 times on XXXX when there was nothing owed on XXXX, paid to date including the forced placed flood insurance deducted once again for {$1200.00} in XXXX, i still have not received the refunds from the flood insurance from XXXX, XXXX, XXXX and XXXX, now XXXX. Proof was given to mr cooper many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : XXXX XXXXLate/Open Late Date XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just received a copy of my Consumer report from TransUnion and I have noticed several FDCPA and FCRA Violations on there. As an Consumer that is Protected by the Laws of the FDCPA and FCRA I would like to have the attached Violations removed from my Consumer Report ; See Attachments
Product: Credit card

I am unable to access the " convert rewards '' portal on my account with Capital One Venture X rewards. This function allows the card-holder to transfer rewards points to various partner airlines ( at a significant " points-to-dollar '' savings to the user ). This transfer rate was a primary marketing function that induced this card-holder to obtain and use the Capital One Venture X card. There is a multi-factor authentication error occuring when this user ( and many others, as reported on various online forums ) which completely bars access to rewards conversion partners, making this " reward '' function essentially useless/inaccessible. I spent over an hour on the phone Capital One Rewards customer service today ( XXXX ) only to be told it is a " known issue '' that they are working on, but at this time no date of resolution can be set. A XXXX thread on this same issue from other users reports many card-holders have been blocked from points conversions for several months already with no resolution. In the meantime, I am unable to transfer points to a partner airlines to book an award flight that I would otherwise be able to book, if the website errors weren't present. Capital One acknowledges the multi-factor authentication errors are on their end, and not a user error. We, the cardholders, have done nothing wrong, and Capital One is now MONTHS into this situation without providing a resolution to this issue. They should not be allowed to advertise valuable rewards benefits to members as an inducement to open an accout and spend money on their cards but then effectively bar all access to those advertised benefits without compensation or successful resolution within a reasonable amount of time. I am requesting that CFPB escalate this issue with Capital One and be sure they fix this issue, or if it can not be fixed, provide reasonable compensation to its affected customers for their fraudulent inducement to use its card for rewards advertised but not delivered. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, I occasionally get something in the mail from a company known as XXXX. It says I owe XXXX over {$5000.00} for some account. I honestly can't even find the XXXX sheets anymore because I trashed months ago ( thinking this was over ). When I brought to the XXXX store XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( and numerous phone calls ), they said that the account numbers I gave them show nothing, they knew nothing of a XXXX, and it looked like a Fraud Scam to them ( that is when I trashed ). 

Now, TransUnion has decreased my credit XXXX points about some XXXX account. 

Also, I called Transition this morning, I recorded a full video of the conversation. They told me that they would report fraud on their end and that I needed to report something with you all, then call them back with a report # that you give me ( which is RIDICULOUS ). After persistently requesting official documentation that she was submitting a report as she offered, I was instead hung upon on ( I have this fully documented ). 

Transunion is a SCAM credit reporting service. I wouldn't be surprised if they opened a fraud XXXX account under my name. My credit score is FROZEN and has been for a while. Enough is enough.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in sui juris, XXXX under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account XXXX XXXX  XXXX XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXXXXXX  CEO & Manager of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX  XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Dept Of EdXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts are fraudulents : XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Student loan

I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. 
I have this private loan with UAS loans for {$5000.00}
Product: Credit card

I received a letter from This debt Collector Alliance One from an account I do n't owe it shows the amount owe is $ XXXX.At this time I would like to dispute the validation of this alleged Debt because I do n't recognize it, I would like to ask the CFPB to get in this dispute to assist me with my Consumer Rights if in any way has been violated.
Product: Credit card or prepaid card

I've had a credit card with First National Bank for 5+. They gradually increased my limit offer the years due to my history. My limit was increased to XXXX, a few months ago I used the card 's maximum limit as my family and I were going through home changes as we needed to move. The funds were used to help renovate our home. Approximately 2 months later I paid the balance off in two payments. First National Bank promptly decreased my credit card limit from {$10000.00} to {$1400.00}. I went to used the card and was declined which is how I discovered that the limit was drastically decreased. I called and the excuse they gave me was that there were a lot of inquires on my credit report. This leads me to believe that when you get a credit card with First National Bank, they expect you to not do any other form of business where your credit is concerned. I checked my credit report and it shows it was decreased on XX/XX/XXXX, I made a payment on XX/XX/XXXX to bring the credit balance back to {$10000.00}, that payment posted on XX/XX/XXXX. I feel I was discriminated against because my family and I needed to move and needed a new loan which of course required our credit to be viewed by other creditors. It is absolutely unfair for First National Bank to decrease their clients credit limit based on their family needs, especially when the balance is paid. It was not left on paid, or resulting in late fees. Though our credit was view for loan we needed, we still ensured to pay our balance. Card number ending in XXXX
Product: Debt collection

This is a debt from a car accident back in XX/XX/2018, which my car insurance paid in full. Plus, I had private medical insurance on file with the hospital to pay any overage not paid by my car insurance. The hospital had this information! This was apparently the only bill not filed, why? I was not contacted or aware of this outstanding bill from neither the hospital, nor the debt collector until the end of XX/XX/XXXX, ( almost one year later. ) I found out about this bill from checking my credit report, at which point, I made contact with debt collector and inquired about it. They were very rude to me as I inquired as to why this was on my credit report. I tried to explain why I dont believe this was my bill, and questioned why it was report before I had a chance to respond? Specially, when it could had been paid by insurance ... They claimed they could not get in contact with me and this was the only way. Which again was false, because the hospital had my contact information! Every bill was paid in full and no other bills were sent to me other than this one regarding this matter after the fact. If this was my bill, it should had been filed with my insurance company. I have disputed this twice to no avail. I even offered to pay half to remove off my credit report. They refused my request to pay half or to work out an agreement to get this removed. Other than wanting the full amount of {$130.00}, which again, I dont agree this is mines.
Product: Debt collection

I spoke with a representative who claims her name is XXXX XXXX XXXX XXXX Now and that they purchased my auto loan. She threatened me with repossession and initially asked me to send in {$3300.00} so that they would allow me to continue paying monthly payments for my XXXX XXXXXXXX XXXX. She said the alternative would be for me to agree to pay {$2800.00} a month via an automatic draft. I told her that was too much to ask. She put me on hold then came back and said they would take {$500.00} payments if I start payment that day. I paid the {$500.00} and asked if I would receive a receipt and loan verification documents. 

I did not receive any documents, but the automatic drafts continue. I called XXXX more times and requested to see the original contract with signatures, my biographical information matched to the loan ( i.e. SSN, DOB ), my address at the time of purchase, balance statement, payment history, pay-off amount, promise to pay agreement, and receipts for the payments already paid. XXXX XXXX and XXXX XXXX, the last representative I spoke with, told me that they did not have any of that information. They would have to contact a liaison and did not know when I would be provided a balance statement or any other loan documents, that they might " pick my car up before then ''. 

I requested the address for the home office and was provided the following contact information : By mail : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NJ XXXX By phone : XXXX ref account # XXXX