23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a customer of Capital One for a few years now and have XXXX credit cards with them. Over the last year and a half, I have requested credit limit increases on both cards and have been denied. XXXX was receiving a message of denial stating that my payments were XXXX small. I increased the payment amounts and started receiving the following denial of credit message : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I have been receiving that message for 8 months now. Additionally, my other card has been receiving the same denial message for 15 months now. This message implies that an evaluation is being performed on the account and that at some point there will either be an increase or a reason for denial based on this evaluation. The fact that these messages started showing up after I increased the payment amount are not a coincidence. I feel that Capital One does not want to provide a legitimate reason for denial and do not have a concrete reason. The evaluation period seems to have no end. So, I contacted their customer service and their customer service was no help. All they were able to do is state that currently they are reviewing the credit limit increase policy. However, the letter does not state that they are reviewing policy ... it states that they are reviewing my account activity. So, either the letter itself is not factual or the customer service representative lied to me. I simply wanted to know when the evaluation period would end or if they could provide me with a concrete reason. I believe this is a violation of regulation B and the FCRA as I do not feel like they are providing me with sufficient reasoning for the denial of credit. I will be attaching a copy of the most recent letter I received - although they are all the same. Additionally, I am attaching the conversation I had with the customer service from Capital One.
Product: Prepaid card

Netspend deactivated my card when I inadvertently went into overdraft because of an XXXX order that was billed in several different increments. They did not notify me at all that my card was deactivated, so after I made a deposit to put the balance over {$170.00} in the positive, I tried to use it at a gas station and it was declined. I check the ATM at the station and it said I had {$170.00} balance, but when I tried to withdraw money from the ATM it was declined. I tried again and it was declined. I logged onto the website and it said I had that much available, but it also charged me {$.00} for each of the XXXX times I checked my balance. At that time I received XXXX text messages at once from them stating my card had been deactivated and I needed to reactivate it online. I tried to do so, but it indicated that the card was " already activated. '' I called the customer service number and a very rude XXXX man, supposedly named " XXXX '' informed me he could NOT reactivate my card, he would have to send an email to the department who did that. I indicated I was XXXX miles away from home and needed to purchase gas to get home and the deactivated card was the only method I had of doing so. I told him I needed to talk to someone who could rectify the situation NOW and he offered for me to speak to his supervisor. After holding for more than XXXX minutes, my cellphone battery was dying, so I told " XXXX '' to have a supervisor call me on my daughter 's cellphone, and I gave him the number. I told him to also email the department who could fix the problem and I needed to know when it was fixed so I could actually drive home. This was at XXXX and I had XXXX of my children with me. It is now more than 12 hours later and I have not received any phone calls, text messages or emails regarding the status of my card. I called the customer service number again and held for more than 10 minutes without anyone coming to the phone to take my call. I am furious! I want access to MY money, which they are holding because I do n't have any way to get it out other than the card that is " deactivated ''. They send me texts for everything from deposits to withdrawals to advertisements. They could n't send me a text to let me know my card would not work, even though I had just deposited money onto it? This is poor business practice and when I called them it should have been corrected immediately.
Product: Mortgage

PHH Mortgage company. I just refinanced and o cant get anyone on the phone, email. 

I sent certified letter with check after weeks. 

My prior loan was XXXX  and I had no problem getting them on the phone. 

I need you to get them to be accessible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX Stellar Recovery reported a outstanding balance of {$58.00} to my XXXX credit report. No only did this collections agency report this without sending a notice to me, the amount is wrong also. My amount due in full with the original creditor was {$57.00} and was paid in full on XX/XX/XXXX. I emailed XXXX XXXX Executive Customer Relations XXXX | XXXX. Office : XXXX, ext. XXXX in XX/XX/XXXX regarding this outstanding bill however, this person did not respond to me. I was unaware that my bill was reported to a collections agency and since Stellar Recovery reported this to my XXXX credit report, my credit score dropped XXXX points. I never received any notice or phone call from this collection agency.
Product: Credit card

I am being charged on a " XXXX '' credit card account which i never requested, opened or authorized. I had an " XXXX '' credit card and was informed the account would be switched to a " XXXX '' credit card, which would be sent to me for activation. I did not activate this " XXXX '' credit card. About month after the " XXXX '' switch, I received a debt collection call. I informed the collection agent that i never activated the " XXXX '' card, and i asked how could i possibly have a balance. The agent did not address the issue, and did not disclose a specific collection amount, repeatedly saying that i had an " outstanding '' balance. I thought the call a scam, and ignored the issue. Since then, i've received repeated collection calls, in which i have refused to send any money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app due to inadequate customer service and unfair practices, which violate the CFPA. Specifically, cash app 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 EFTA and regulation E. These actions have caused significant inconvenient and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I pulled my credit profile and noticed an account that I didnt open with a balance of {$110.00}. i notified Bank of America of this situation. i advised them that my identity had been stolen on several other fraud accounts been made. I filed a report with XXXX XXXX Police department case number XXXX. I do not owe this debt. Ive done everything asked of me. Also XXXX number is XXXX. Please remove and delete off my credit profile. Bank of America is hurting my ability to obtain credit, Also has damaged my character
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX I C System To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between I C System and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely Name
Product: Debt collection

Not aware of this account at all, did not give anyone access to use my information for this debt. Please remove this account from my credit report it has caused many delays on my future endeavors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. i am the same person who filed a complaint last XX/XX/2022 with complaint number XXXX. I am filing another one to prove that it is me making a complaint against this credit bureau for not responding to the letters I had sent. I will attach the same letter here and hope they will work on it this time, if not then I guess I will need to take it to the next step and seek litigation.
Product: Credit reporting or other personal consumer reports

I would like to dispute XXXX accounts I have listed that appear on my credit report that are too old and show a date of last payment as XX/XX/year>. 
The Law states the Date of First Delinquency is the date that triggers the XXXX year period for an account to be removed from a credit report. 
Therefore, the Date of Last Payment showing XX/XX/year> clearly proves that the XXXX accounts listed below should be removed immediately because they are too old to be reporting after the XXXX  year period in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, in advance I am officially requesting a Description of the Procedures used to verify either one of these accounts that are cerified/ updated and are not deleted. I would need the names, addresse ( s ) and telephone numbers of the person ( s ) that you spoke with. I make this request in accordance.with FCRA 15 USC 1681/ FCRA 611. 

XXXX XXXX XXXX.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX # XXXX BAL : {$680.00} XXXX. XXXX ACCNT # XXXX BAL. $ {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX watches Subject : Dispute of Civil Liability for Negligence and Non-Compliance ( Section 16810 ) I hope this letter finds you well. I am writing to formally dispute the claim made against me regarding civil liability for negligence and non-compliance under Section 16810. After careful review of the circumstances surrounding this claim, I believe it to be inaccurate and unjustified.

To elaborate, Section 16810 specifically addresses civil liability in cases of negligence, as well as non-compliance with established duties or standards. However, upon reviewing the facts of this case, I maintain that [ insert the key reasons you dispute the claim e.g., your compliance with regulations, evidence of no negligence, or other mitigating factors ].

Moreover, I believe that certain key elements of the claim, such as [ mention any specific details you believe were mishandled or misrepresented ], were either misinterpreted or not properly considered in the evaluation of this matter. I would appreciate the opportunity to resolve this dispute amicably and avoid any further legal escalation.

As such, I respectfully request the following : A detailed review of the claim in light of the above considerations.

A meeting or discussion to clarify the circumstances surrounding this claim.

A formal reconsideration of the determination made in relation to Section 16810.

Should you require any additional information or documentation to assist in the resolution of this dispute, please feel free to contact me at [ your phone number ] or [ your email address ].

Thank you for your attention to this matter. I look forward to your prompt response and the opportunity to resolve this issue fairly. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX credit reporting agencies, only respond that there is nothing they can do. Transunion sent me a letter and did not even allow me to provide them with identification. They just sent me a letter saying we can not verify your identity. The three credit reporting agencies are doing nothing at all. Someone needs to follow up on what they are really doing about my reports. I have also been breached by XXXX XXXX XXXX, and they have resolved nothing for me. My credit report has been ruined by them. And they could care less what damge they have inflicted on my credit report. They all three agencies do nothing but keep taking false information on my credit reports. And do not verify anything. I can do nothing. I have disputed these items many times to these agencies over 10 years and nothing has happened. I really need help. I have been ruined by these agencies. And XXXX has destroyed my credit file, because they leaked out information of all my personal credit to others. And there is great damage that has been done. And all three agencies ignore my complaints and trying to resolve the false and negative items on my credit file. And when I get any report it is not complete, by no means. I feel the XXXX credit reporting should be held responsible according to the lawsuit. And I am XXXX that was part of it. If there is anything that you can do to resolve this. My life has been ruined because of the outdated and old and false reporting on my credit file. I am just asking please help me with the credit reporting agencies and there assumed false reports against me. Thank you.
Product: Credit card or prepaid card

I opened the Lowes card in 2020. At activation, they offered payment security. I opted out verbally. However, the automated system replied that I had enrolled. So I called Synchrony to unenroll. When I called, I was directed to a third party. I contacted the third party and was told I was no longer enrolled. I later noticed fees on my statement. I then contacted Synchrony to inform that the third party had failed to cancel enrollment. I was told to contact the security protection company again, which I did. I have done this multiple times over three years but am still enrolled. Last year I even wrote a letter and sent to the address on my credit disclosure. I make my payments every month but my balance is not moving because they are billing me fees plus interest on fees each month. My original balance was approximately {$700.00}, three years later it is {$660.00}. The only way ( other than paying in full ) that I know to make progress is to cancel the security protection, but I have not had success although I have paid approximately {$700.00} in fees and associated interest.
Product: Checking or savings account

i mad a debit transaction and a deposit on the same day. the bank debited the account first then applied the deposit the following day, resulting in an overdraft fee, which they refuse to waive. i have an atm receipt that hows the current and available balance being more than the sum of the debits and deposits being more than zero when i made the deposit, implying that funds were available immediately.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for two days ( XX/XX/XXXX & XXXX, 2020 ) online and on the phone tring to get my log in information so I can log in to our accounts check our report and then put a freeze on both of our accounts. When I get online it tells me my password is wrong so I change it. It lets me change it by sending a link to my email, but still won't let me in, tells me to call. When I call they ask me a bunch of questions which I answer all of them CORRECTLY. I am not stupid I know how much I owe and to whom, but I don't know if they have the correct information because they won't let me into my account to check it. I want to freeze both our accounts because of all the fraud and breeches going on. I can't even do that! Also why do every number I call for them sends me overseas to a person that I can not understand on the phone! No wonder there are such problems. Why are all the call centers for our credit not in the United States?! I want someone from Equifax in the United States to call me get me into my account so I can freeze it.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a mortgagee loan through Mr Cooper aka Nationstar Mortgage. They have failed to report my mortgage to the credit bureaus for a number of years? Both my wife and myself. I have been denied credit because of no mortgage history. We no longer have our loan with them but they definitely affected us adversely. I tried on multiple occasions to get them to fix it!!
Product: Credit reporting or other personal consumer reports

Response to letter received from Transunion. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 C. of the fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Transunion. Please delete the following accounts. Any accounts not promptly removed ; I will escalate this matter to the appropriate legal authorities. I expect WRITTEN CONFIRMATION by XX/XX/year> confirming that the fraudulent XXXX XXXX XXXXXXXX account and any related unauthorized inquiries have been fully removed from my credit. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX