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

We use XXXX to pay our credit card for us. It is wonderful, and we don't have to worry about our bill because they debit our checking account and pay off our credit card every week. It is fabulous. However, Capital One thinks this violates our privacy, even though we authorized XXXX to do this, and they have taken many steps to ensure our privacy and protection. We got this credit card with Capital One specifically for this purpose, to use with XXXX, and we will have to find another credit card if Capital One can't resolve this issue. Here is the letter we received from XXXX regarding the issue : " We are writing to you today to inform you of an issue with Capital One accounts on XXXX. We recently discovered that our bank connection partner that allows us to access your account balances is experiencing problems with their Capital One integration. 


This means that we wont be able to link new Capital One cards to XXXX and any Capital One cards you've already linked will not update with new transactions until this is resolved. Starting tomorrow, we'll pause all Capital One credit cards with XXXX, and if you are using a Capital One checking account we will disable automated withdrawals. We are also going to create extra payments for all Capital One credit cards to make sure any funds in your XXXX account are applied to your cards. 


Our engineering team is working hard to resolve this issue quickly although we dont have a timeline for a fix at this time. We apologize for this inconvenience and will let you know as soon as we have made significant progress and can reactivate these accounts for you. 


This news has been extremely disappointing to us here at XXXX, and we believe that Capital One is not being fair to their users who rely on them for financial products both large and small. We are encouraging all of ours users to contact Capital One and complain if you enjoy using XXXX and other finance apps. You can reach them : On XXXX : @ CapitalOne # protectdataaccess By Phone : XXXX You may also file a complaint with the Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ Sincerely, XXXX ''
Product: Credit card or prepaid card

I have been using my Goldman-Sach 's Apple Credit Card for the cash back awards. Recently, I've been making larger, more frequent payments which resulted in part of my credit limit being put on hold for ten days. I have a {$5500.00} credit limit but like to use the card and pay it back right away for the daily cash back benefits. 

XX/XX/XXXX I made a payment in the amount of {$1000.00} XX/XX/XXXX I made a payment in the amount of {$960.00} XX/XX/XXXX I made two payments, one for {$1200.00} and also {$3000.00} XX/XX/XXXX I tried to make a small purchase in the amount of {$490.00} which was declined for " over spending limit ''. I checked my bank account and saw both payments {$1200.00} and {$3000.00} had already been debited from my checking on XX/XX/XXXX, so I thought I would wait 1 additional day for the payments to reflect in the available credit. The following day, XX/XX/XXXX I called into their customer service and was told both of my payments from XX/XX/XXXX were " put on hold ''. The representative was not able to explain why the payments were put on hold ; but, she was able to release the smaller one for {$1200.00}. Over the weekend I kept checking my account to see the {$3000.00} in my available credit to no avail. 

I called back on Monday XX/XX/XXXX and asked to speak to a supervisor or manager and was told although the {$3000.00} posted as a payment my available credit would be on hold on until XX/XX/XXXX. I became agitated at the fact they would place a hold for ten days even though they debited my checking and already got their money. I was told I was making payments too large and too frequently which impacted my available credit. Since this poses no additional risk to the credit card company I became infuriated and asked to speak to someone else above that supervisor or manager and was told there was nobody above her I could speak to and nothing she could do, I had to wait until XX/XX/XXXX. 

My complaint is that I believe they are holding or suspending my available credit because I use the card and pay it back right away, taking advantage of the cash back benefits which, in my opinion, the company is trying to prevent me from using their benefits.
Product: Mortgage

During the nationwide shutdown of COVID-19 I inquired about a deferral payment plan that would put my principal and interest to the back of my loan. After two months of this I never received any paperwork. I have called Key Bank 27 times during this process trying to make my payments. I have been receiving paperwork in the mail stating Im behind my payments. I have had local representatives come to my house to collect. I have recorded calls that I have been trying to make payments and pay all of my insurance and taxes in full. Key bank keeps telling me that the paperwork isnt going though. Every time I call I get a different answer. I am now dealing with a XXXX XXXX. XXXX He has assured me that this will be taken care of swiftly. He has promised to call me back. None of this has happened. I have called and left messages. I have emailed several times. He will not contact me back. I can not get anywhere with them. I have been trying to make payments for 6 months now. Key bank has also put negative impacts on my credit file. I have offered to pay all taxes and insurance up to date and can not get anyone to accept my payments. I do now know what more i can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account reported by XXXX XXXX XXXX. I have been going back and forth with this agency. But I wont even get into that right now. I went through the automated system and answered a series of questions verifying my info. The automated system Then give me information about dispute. I wanted to speak to a live person. So I selected an option to speak to a live rep. I was once again asked a series of question which I answered and was locked out of my account. I looked online and saw that other consumers have had a hard time reach anyone please help
Product: Debt collection

About 2 mos ago i closed a bank account with an overdraft of {$460.00} because it was compromised. The rep took all the info to file a claim to dispute the charges making it overdrawn. On XX/XX/2016 those {$460.00} were debited from my new account leaving me overdrawn, with about 15 pending transactions which will create a {$32.00} fee each for overdraft and no money for the next 2 weeks. I was never notified by any method of this situation until I checked my account online. I have contacted the bank, spent almost 2 hours being transfered from person to person, all saying they can not take accountability because the transaction was " not done through their department. '' The last person I spoke to informed me this was not done trhough the charge off dept ( of course because this was not a charge off ) and that they did not know who had done this transaction on my behalf.
Product: Credit reporting or other personal consumer reports

Im writing to formally request that TransUnion block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ).

Here are the fraudulent accounts I need removed : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5100.00}. 
2. A personal loan account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$5400.00}. 
3. A mortgage loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$370000.00}. 
4. A banking account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
5. A banking account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from TransUnion showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Equifax several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can EQUIFAX currently have stated the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Equifax seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Equifax to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2023 I received an alert that someone has applied for a credit under my name with TD Card Service so a hard inquiry it was placed on my credit report, i did not authorized any application or nether i did any application with TB Bank Credit service, so I believe my information it s been used fraudulent.
Product: Debt collection

Upon reaching out to this consumer once I seen it reported on my credit and asked for purchase history and validation of debt fully verify this debt belongs to me otherwise please remove it from my credit report due to fraud instead of agreeing they kept demanding payment and asking me personal information. Instead of providing proof the debt belong to me and provide validation of debt the consumer refuse and use threaten tactics Instead of throughly investigating this debt does not belong to me and should not be reporting against my credit report due to services never rendered and fraud. They completely violated multiple consumer laws and ignored the fact that such said account does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 XXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX  XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX  XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXThese discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, like Experian, maintain accurate and verified information. According to 15 U.S. Code 1681b ( e ) ( 6 ), Experian is required to uphold a joint notification system with other consumer reporting agencies to ensure the consistency and accuracy of credit reports. However, the differences between my Experian report and those from other agencies suggest non-compliance with this requirement.</p> <p>The inaccuracies on my Experian report have significantly harmed my creditworthiness and financial health. Under the FCRA, I have the right to dispute inaccurate information and request its removal if it can not be substantiated. Should Experian fail to provide documented evidence authorizing the listing of the disputed items, I demand their immediate removal, irrespective of any E-Oscar report.</p> <p>Furthermore, despite multiple requests, Experian has failed to provide me with my consumer file, distinct from a consumer report, which contains securitized consumer data.</p> <p>I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify these violations promptly. Please confirm receipt of this complaint and keep me informed of any developments regarding its resolution.</p> XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor : XXXX XXXX XXXX Creditor Acct. # XXXX Principle {$170.00} This is not a valid debt. I had XXXX  as my cable, phone, and internet provider for exactly 1 year. 
XXXX XXXX XXXX was the start date and XX/XX/XXXX was the end date. The TV was disconnected on XXXX XXXX, XXXX and XXXX XXXX began. The phone and internet was terminated XXXX XXXX, XXXX. I called XXXX to pay for the extra week on the phone and internet and was given the price of {$43.00}. I said OK and send the bill. 
When the bill came it was for {$170.00} and I immediately called and was told they had just changed there policy and billed only for a full month. I refused to pay and told them I would pay the {$43.00}. and they said no. 
In XXXX, XXXX I received a bill from Southwest Credit. I wrote them a letter explaining this and they sent me a letter on XX/XX/XXXX. This letter stated they had received my letter and they contacted XXXX XXXX regarding my account and did not receive a response from them. The letter from them said they had ceased collection efforts as they were not able to complete their investigation on my account. It was signed XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I at temped to make a transfer of funds from paypal to my bank. Paypal reversed the transfer. The funds never got to my bank account. Unfortunately I had to work so I did not check to see if the money went through.I have had both these accounts for three years and never had a problem. I made a transfer on XX/XX/2019 and it went through no problems. I incurred {$190.00} ( as of XX/XX/2019 ). I have spend four days listening to paypal blame me and the bank for a system error on their part. 
I have heard all manners of excuse of how the bank was the problem, or how I used their system wrong. Paypal refuses to take responsibility for their system. 
I contacted the bank first by phone then in person with paypal on the phone. XXXX XXXX XXXXXXXX XXXX   said even if they declined the transfer it would have shown up on my account and they would be able to see it. They looked to see if it was trying to go through my debit card and got rejected. No. They look to see if it was wired to me and got rejected. No. Nothing hit my account. I have recorded all the conversations between me and paypal and me and XXXX and paypal. At this point I am caught between Paypal and XXXX and I have to pay off the overdraft fees and no one will take responsibility for their system. I do have recording of my conversations with paypal and XXXX but my body cam download is more than 10 mb. So if there is another way for me to send them please let me know.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : 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: Debt collection

Portfolio Recovery is trying to recover a credit card debit when the Statute of Limitations has expired in Tennessee. Also the debit was discharged in a bankruptcy. I have told the company to stop calling me at least 5 times. I explained them the SOL in TN and the refuse to stop harassing me. Also they are in violation because they are concealing their identity when they call. They have called me more than 20 times that I have documented. All the calls are from different phone numbers that are not listed. This is a violation of the FDCPA. They have even called me from a phone number that is close to my own cell phone number. I do not owe this debt and I am being harassed from this company! I have added only 2 screenshots of comcealed identity phone numbers they are using.
Product: Credit reporting or other personal consumer reports

I have unauthorized hard inquiries that have appeared on my Experian credit report. Upon review, I identified the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX  Industry : Auto Financing Companies Date of Inquiry : XXXX XXXX XXXX XXXX Industry : Tenant Screeners ( Reseller ) Date of Inquiry : XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX Industry : Bank - Installment Loans Date of Inquiry : XX/XX/2024 I did not initiate any transactions or credit applications that would have warranted these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on Transunion that are not recognized. I contacted Transunion customer service and they did not delete the negative inquiries. Below I have listed these inquiries.

1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX/ XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX have violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Student loan

I could n't afford the high payments and due to the interest building up along with late fees continuing to pile up, my student loan amount dramatically increased. I was not given any information about repayment options to help me and when I called them and tried to lower the payments, I was put on hold for a long time and transferred to many different customer service representatives who all did n't know if they were allowed to lower my bills, or told me that what I was paying is the lowest repayment option that they offer. Now my student loan amount is too high and the payment amount is still unaffordable. It is very difficult to find a job that that pays me enough to afford my student loans and live on.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( Bankruptcy Reference # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a 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.