23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

In XXXX of 2021 I applied for a XXXX credit card through CapitalOne. I was given a {$3000.00} credit limit. Most Visa Infinite credit cards come with a minimum limit of {$5000.00} per Visa Inc., so my granted credit limit is unusually low. I believe an error was made in determining my credit limit. 

Our family income is well over $ XXXX. I have been married to my husband for 47 years. My credit scores have consistently been in the 800 's for many years. When I applied for the XXXX card my scores ranged from XXXX to XXXX. I have two long-term credit cards with XXXX ; one with a {$40000.00} limit and the other with a {$12000.00} limit. My husband and I have had a joint credit card with XXXX XXXX XXXX with a {$35000.00} credit limit since the XXXX 's. I pay off my credit card balances every month on all my cards. I have fully used my credit limits on occasion. We also currently have joint interest bearing accounts with a total balance of around {$350000.00} at CapitalOne and have had accounts with them for more than 10 years. I believe CapitalOne was the only hard credit inquiry in the two years prior to applying for the XXXX card. 

My husband, who is less than one year younger than me, applied for the XXXX card several days before I did in XX/XX/2021. He has credit scores similar to mine and his credit card usage is similar. He was given a {$30000.00} credit line on two separate CapitalOne credit cards, one before I applied for my XXXX card and one after! 

I repeatedly called and wrote to CapitalOne asking for an explanation as to why my credit limit was set so much lower than my husbands. I asked them to review my credit limit for an error and was told it is all done by algorithm, no person reviews for errors or can make corrections and that I will never receive a credit increase of more than 10 % every 6 months for as long as I have the XXXX XXXX I have paid off my XXXX credit balance every month, early on several occasions, and for more than the statement balance due. I have talked with Credit Specialists, Sr. Account Supervisor, XXXX XXXX XXXX and a Case Manager in XX/XX/2021. 

The only conclusion I can reach is that Capital One 's algorithm and credit decision is sexist. 

Additionally, Capital One 's unsigned response to me dated XX/XX/2021 is misleading and not practiced based on discussions with CapitalOne employees. It is stated " credit limit increases are reviewed periodically at undefined times during the year. '' This does not appear to be the case. It appears credit limit increases regardless of use or creditworthiness are limited to 10 percent.
Product: Debt collection

I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX  accounts # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX XXXX XXXX. Is sending me letter trying to collect {$6300.00} dollars that is owed on a lease. I could n't pay for they lease anymore so I took the car and dropped it off at the dealership I bought it from. Since then they have sold the car and are still trying to collect money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report as a charge off for Synchrony Bank/ Mattress Firm and have asked for validation of the debt with nothing provided. This is affecting my credit and I would like it removed.
Product: Mortgage

I currently have no income, and I am having to borrow money from family members to pay my mortgage. I informed Loancare and applied for a loan modification but was denied. This company continues to call my phone with an automated voice recording to tell me to call them back on the very same number ( which makes no sense ). Why would you call me just to have a robot tell me to call back? Why even call in the first place if you don't have time to talk? I believe they are only doing this to make it seem as if they have attempted the reach the homeowner, but THEY ARE NOT. They are only having robots to call us. And when I call back, I'm put on hold ( by the robot ) forver until I finally decide to hang up. This is my THIRD complaint about them!! Just go back and review my previous compliants and also read Loancare 's reviews. 

They changed their name to XXXX to try and escape their horribile reviews but didn't bother trying to change their reupation and how they treat homeowners!
Product: Mortgage

I am behind on my mortgage. Over the past year my loan has been sold twice and the current holder is Gregory Funding. I have submitted an application for loan modification or any assistance and I was denied because they stated that wanted a downpayment of approximately {$65000.00} to do something which they know I do not have so I was denied. They stated that the are only a service agent for the holder of my loan who is an investment company and they are not an institution that can offer load modification or refinancing due to their rules. 

I feel that they are not being helpful with helping me with my situation. If I had the funds to pay them, I would be able to pay the default payment to get me current, but their inability to offer forbearance, refinancing or loan modification is not legal and I am filing a complaint. I may be missing information you need and will be able to submit any information you need. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I received my credit report on XXXX/XXXX/2017. Equifax eliminated accounts. Subsequently the report contained XXXX positive accounts and XXXX negative. According to information Equifax shared with XXXX XXXX, not only was XXXX XXXX reinstated but my score went down XXXX points! Screenshots attached. 

Account quantity is not a major score factor according to XXXX XXXX, yet it went down XXXX points, despite my credit increase by XXXX XXXX ( a satisfactory account that I 've had for a year ) and a decrease in in my credit utilization of the same account. 

So where is the science in the Advantage algorithm? It 's fallacious.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRA regulations. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card or prepaid card

XX/XX/XXXX I opened a new Apple Card issued by Goldman Sachs. The new card offer includes a {$50.00} promotion. To get the {$50.00}, the cardholder is required to purchase an Apple service of any amount. I was not given the {$50.00} and the resolution I am seeking is to get the {$50.00} promotion. 

I tried to purchase Apple Music {$4.00} with my Apple Card to satisfy the requirement. However, the Apple payment system requires that I use my gift card balance in my account first ( I had over {$40.00} at that time ) and is not giving me the option to pay with my Apple Card.

I contacted Goldman Sachs multiple times and emailed them 2 receipts ( Apple Music Purchase and an App purchase ) to prove that I did make the purchases but because of the Apple system setup there is no way I could pay for it with my Apple card issued by Goldman Sachs. They told me they will not give me the {$50.00} promotion because I did not use my card to purchase an Apple service. I explained many times over that I wanted to but the system wont let me. This is well documented on my account. I spoke with customer service representatives, 3 supervisors ( XXXX, XXXX, XXXX XXXX ) and finally a manager named XXXX who did not want to give me his last name and who also told me there is NO ONE else he can escalate my issue to. XXXX told me that I just have to use up all my gift card balance so I can then use the Apple Card to pay for an Apple service and therefore meet the requirement. I asked him why would I spend all my gift card balance, purchase Apple  services I do not need only to get {$50.00}? So his solution is for me waste my $ XXXX+ personal gift card balance on services I dont need to get the {$50.00} promotion. 

I also called Apple itself to see if they can help me since it is their payment system thats not giving me the option to pay with the Apple Card. I called XXXX and the representative XXXX opened a case # XXXX. The purpose of the case is to have someone call me back from the Apple Promotional Team per a XXXX. No one called me back. When I called back, I spoke with another rep and supervisor. Both confirmed that Apple requires that gift card balances should be used first before buyer can use a credit card payment. The supervisor told me that there is no promotional team who can help me and Apple cant help me and the only way is for me to spend all the money in the gift card balance ( {$43.00} as of XX/XX/XXXX ) so I can then use my Apple Card and meet the {$50.00} promotion requirement. 

Please help me get the {$50.00} promotion I deserve.
Product: Debt collection

National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. XXXXThe following are the inaccurate information reflected in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. 

I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also REQUESTING this company to please update the following information of mine : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third attempt to resolve this issue with both the credit reporting agencies and the collection agency. Please be advised The failure to correct inaccuracies or verify the account is against the FCRA. I have made several attempts to dispute the collection agency and the credit bureaus for the simple fact that I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When asked to verify this account belongs to me XXXX XXXX provided statements that do not hold any information that identifies this as mt debt. I have not lived at the address on file since XXXX therefore I could not have knowingly obtained credit with this creditor. I have advised the collectors the account is fraudulent and they continue to report false and inaccurate information knowingly. Verification of a debt entails contracts that I would have physically signed for this debt which have not been provided to me. I am including the information XXXX  sent in response to my second attempt to dispute thru cfpb that only shows statements sent to an address I have not lived at since XXXX. Please stop sending information to validate this debt and provide information verification of this debt used to consider it my debt. Where are the signed contracts with my physical signature? Where are the documents provided to obtain this debt that show my identification documents. I was not a resident at the said residence the date timeframe the debt occurred. 

Attached are documents showing an failed attempt to validate a debt instead of bringing proper debt verification documents that contain my signatures. 

Attached are documents proving this company continues to knowingly report different information to each credit reporting agency. This debt is not mine, it is a fraudulent account and needs to be removed immediately On the response from XXXX they claimed the account was opened on XX/XX/XXXX but reported to Equifax as of XX/XX/XXXX that the account was opened on XX/XX/XXXX. 

In XXXX  response letter they stated the account was charged off on XX/XX/XXXX however they continued to report late payments as if the debt was active and delinquent. 

In XXXX  response letter they mentioned the account was charged off in XXXX of XXXX, however XXXX reported in XXXX of XXXX to XXXX that the account is open and in collections with a past due balance reporting XXXX and payment history showing in collection up until now XX/XX/XXXX. 

XXXX has openly violated many FCRA LAWS and the credit reporting agencies are failing to properly investigate this collector and allowing them to falsify Information on my reports repeatedly. I have been disputing this debt as fraudulent since it appeared on my credit report in XXXX and this company has gotten by successfully with providing false, inaccurate and inconsistent information each dispute. REMOVE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

Upon examining my latest credit report, I found several accounts that I did not consent to, and they appear to be fraudulent. I request their immediate removal and blocking.
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, {$440.00} This Account is not mind, ID Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times I have contacted the XXXX XXXX XXXX and Transunion regarding an open delinquent account showing on my credit report. The balance is incorrect which states that I owe {$170.00} but the actual amount that I owed was {$33.00}. I requested proof from the company and finally received it this year although I paid the bill in XX/XX/2016 ; therefore I have a {$0.00} balance and never was it {$170.00} debt. I still see the incorrect amount listed on my credit report and as an opened account.
Product: Payday loan

In XXXX XXXX I had taken out a payday loan with a Avant credit. At the time I was in severe financial distress. I could not keep up my payments with the contract that I had agreed to with that company, So I went through XXXX program, who negotiated on my behalf with Avant. They sent a contract, had me sign it to set up payment arrangements through the debt management company. I was on a different payment plan and they agreed to settle for less than what I owed. I followed all the way through with the whole plan, paid all the money that they agreed that I should pay ; all of the lesser amount, every payment on time. It is now XXXX XXXX, I happen to pull my credit report, and noticed that Avant credit was on my credit report as over a year late with my payments. I tried to contact them and was told to contact the compliance Dept. I sent them all the documents I had, I even sent them copies of the canceled check that they had cash through my account. Now, they are trying to say that they have no documentation of this contract, their contract that they made up and agreed to, payment plan, they did not receive any payments, and I 'm still late. Someone cashed my checks at that company. I can not get a answer from a live body about this situation. I can only email them or I can call customer service who hasnt been able to resolve this issue at all. I want people to know that Avant credit steals your money. Someone at the company has taken {$1300.00} from me, and nobody is acknowledging that they even know where this money went nor are they acknowledging the contract, that 's after I sent them the contract and the copies of the cancelled checks. How do I resolve this issue. All of my payments went through global client services and were cashed. As I have said, when I call the XXXX # to Avant, I can only get customer service. There is, supposedly, no number for the compliance department ... .they can only be communicated with through email!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not want to have this erroneous information in my report
Product: Debt collection

On XX/XX/XXXX, I submitted multiple forms requesting payment options and filed complaints about threatening to repossess my vehicle. 

I have not heard back from them.
Product: Money transfer, virtual currency, or money service

Cash app takes money and dont have a live agent to help fix the problems due to cash apps fault ( {$2500.00} )
Product: Checking or savings account

On Tuesday XX/XX/21 the debit card came in the mail from Chase Bank. 
A checking account was opened fraudulently online in my name on XX/XX/21. 
XX/XX/21 called closest local Chase branch and reported this. Also made an appointment to close the account on XX/XX/21 at the branch located at XXXX XXXX XXXX. XXXX, PA XXXX. 
XXXX to XXXX XXXX ( Lead Associate Operations ), she took my debit card, gave me a printout of what exactly I am to do next ( call all 3 reporting agencies, record case at www.identitytheft.gov, and advised me NOT to file a police report, which was a red flag to me ) XXXXcalled main Chase corporate office, spoke to XXXX at XXXX XXXX. Found out what date the account was opened and on XX/XX/21 the account was opened with {$0.00} another transaction on XX/XX/21 was for {$150.00}. I asked for a printout of all documentation in regards to paperwork signed to open the account and a statement of the account. She could not provide me with that, she transferred me to another department. That representative would not send me a statement or any supporting documentation of the account being opened. 
XX/XX/21 filed a police report at XXXX XXXX XXXX Police Department.