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

I am writing this letter because I have tried numerous times to request a credit limit increase for both cards of the Capital One cards I own. I have a Kohl 's store card as well as a Capital One card. After having both cards for nearly 2 years, I have not had one credit line increase, on either, even with my income increasing. I do not believe proper investigation or consideration is being done when requesting online credit increases. I know this for a fact because I requested a credit line increase less than a week ago and today, XX/XX/2018, I received a letter stating that one of my Capital One accounts was recently 60 or more days past due. In this case, I have pulled my reports from XXXX, XXXX, and XXXX to show that this statement is false. I would like for this company to please take that time to reconsider my account and increases. 
All personal information has been blacked out due to privacy.
Product: Bank account or service

XX/XX/XXXX I called Citi Gold Checking Services to inquire about a current promotion. Citi verified when I called in that I was able to open a checking account and if I completed the necessary requirements ( 2 bills pays in 2 consecutive months ) then I would receive XXXX Citi ThankYou points. 

I also currently have the Citi Prestige card which has a {$450.00} annual fee. Once I signed up for the checking account Citi for some reason sent me back a portion of my annual fee I already paid with no explanation. Then they charged me the full amount of the annual fee with no explanation so I am out over {$100.00}. ( Complaint # 1 ) I completed 2 bill pays in consecutive months and called back into Citi to confirm that the necessary requirements were met - they confirmed this verbally but then said I had to wait 90 days until these points would be added to my account. Waiting was no problem. Once 90 days came I called in again to see where my points were. They said that they should be showing up at any time. Another month later with no points they said they were coming. At this point Citi was charging me $ XXXX/month to keep this account open. 
Finally I called in again and Citi said that they would review my account to see why I had not received my points since I did meet the account requirements to receive these points. 
Another month went by and I received a letter in the mail from Citi stating that I did not qualify for the promotion since I was not targeted. 
I called in and Citi said I was not targeted for the promotion so they would not give me my XXXX ThankYou points. I said that I had called in to verify that I qualified before applying but they dismissed by claims. ( Complaint # 2 ) On top of this all, Citi was charging me $ XXXX/month to see where my points were. My account just reached {$0.00} and evidently they automatically closed the account. I called in and they said my account was closed due to inactivity/insufficient funds. This is because they took out the monthly fees while I was trying to work with them on where my points were. ( Complaint # 3 )
Product: Checking or savings account

Chase Bank XXXX XXXX XXXX XXXX, XXXX Ca, XXXX phone XXXX XXXX XXXX. 
On XXXX XXXX and XXXX XXXX and XXXX XXXX they have deducted XXXX Cent per month with explanation of " Federal interest withheld ''. Contacted said bank on XXXX XXXX XXXX they sent me a form to fill out XXXX returned said document on XXXX XXXX XXXX in addressed envelope to their XXXX XXXX TX office the form was completed. Was in touch with bank and was told it was the IRS that withheld the money Contacted IRS and was told that they would not deduct that small amount and they would not deduct from a checking account I have bank statements to back this up
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING XXXX  4 DAYS, INQUIRIES 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 XXXXXX/XX/XXXX
Product: Debt collection

My XXXX XXXX account was compromised earlier this year resulting in several transactions that were not mine. I timely disputed the charges online and spoke with Customer Service multiple times. XXXX XXXX told me in writing not to pay the charges until the dispute is resolved. I have since learned that my account was compromised through written notification from XXXX XXXX. Despite the above, XXXX XXXX has placed my account into collections and is making negative reports to the credit reporting agencies. I have on a weekly basis communicated with XXXX XXXX by telephone to explain the situation, to no avail. I am getting dozens of phone calls a day from XXXX XXXX trying to collect this debt that is not valid.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). The information associated with these accounts is no longer authorized and should be removed from my credit report immediately. 
The following inquiries have been identified as a result of the data breach, and I request that they be blocked and deleted from my credit file : INQUIRIES : 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
Product: Debt collection

I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an inquiry about mortgage refinance online through XXXX   XXXX  and was contacted by XXXX XXXX from XXXX XXXX XXXX. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and XXXX XXXX XXXX and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
XXXX XXXX violated these rights by reporting the account to be late and closing the account without my knowledge. XXXX XXXX is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them XXXX of their own settlement terms. See Attached email Copy.
Product: Debt collection

Called me on XX/XX/23 leaving me a message to contact them regarding papers they want to have delivered. Called back would not give me any information, expect amount of debt owed. I explained to them hat I dont owe that debt and to contact my attorney. Then called my Mother and sisters and left the same message as I received.
Product: Checking or savings account

I signed up for overdraft protection from my savings to cover my checking through XXXX XXXX mobile app. I then later opted out of overdraft protection but my account was still over drafting! I had several transactions repeatedly taken out from XXXX my I contacted XXXX to report this problem and a problem I had cashing out those funds and was told in the chat that it was probably a problem with my phone. I have an XXXX. I updated it and still had the same error. It would load and load when I tried to add funds to XXXX and say it wasnt processed but its in fact process the deposit several times I also was signed up for frequent deposits. XXXX XXXX would randomly act up again saying my geometric location was restricted and sports betting was not allowed in my state which eventually lead to my account being inaccessible and me not being able to withdraw the thousands I had in it. They would not reopen my account or send the funds back so I disputed the transactions with XXXX XXXX who laughed about it and abruptly denied most of the disputed transactions so basically my money is being withdrawn held by XXXX and XXXX XXXX does nothing. I requested information from the results of the investigation as well as to why the transactions were still being overdrafted from my savings anyway after I opted out of overdraft protection. They have not provided me with any information and I still have claims open that have been sitting in the system unattended to for over XXXX weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called experian and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and experian knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue experian and XXXX. They too have been unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my drivers license report check it indicates that I was sanctioned for vehicular homicide but that is incorrect. The charge was " XXXX XXXX XXXX XXXX '' as no one died in the incident and this can be verified by iowacourts.gov website and the iowa court system. I would like this fixed as XXXX XXXX is a lot more serious of a charge and implies that I am a XXXX even though I have never XXXX   anyone. Thank you. The control number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score and collections are inaccurate
Product: Credit reporting or other personal consumer reports

Over the last 7 months, I have been disputing the inaccurate information on my credit report with the CRA 's ( Transunion, XXXX and XXXX ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the consumers file. 


ACCOUNT NAME : XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.
Product: Debt collection

CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT
Product: Credit reporting or other personal consumer reports

Dispute of Reinserted Accounts Request for Immediate Removal I am writing to formally dispute the unauthorized reinsertion of accounts on my credit report. On XXXX XXXX XXXX, the following accounts were successfully deleted from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  However, on XXXX XXXX XXXX, these accounts were improperly reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). As per the FCRA, if a previously deleted account is reinserted, the credit bureau is required to provide written notice within five business days, along with certification from the data furnisher verifying the accuracy of the information. I have not received any such notification or certification. 

Since these accounts were already removed after an initial investigation, I am requesting their immediate deletion from my credit report. Please provide a written response confirming the removal of these accounts and ensure compliance with federal regulations. 

Enclosed are copies of my previous dispute results indicating the deletions, along with a copy of my identification for verification purposes. I expect a response within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I closed my High Yield saving account with Marcus, Goldman Sachs on Friday, XX/XX/year> and requested an expedited check. The rep gave me case # XXXX and explained the check processing and tracking number would be available in 1 to 3 business days. We are passed that time frame now and I have been calling every 2 hours to get answers and they are holding my money hostage with NO answers!!!!
Product: Credit card

My wallet was stolen and all my personal information with my ID was used to get a credit card and make purchases. 

I have reported this to American Express for over a year. I call every week and I have verified that they have been lying to me. 
I have been told not to make payments on the card and just wait. They have been reporting me for not paying my bill and ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Ive requested the XXXX that is to be sent to the consumer once a debt has been charged off. Unfortunately, I havent received it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing 2 collection accounts on my credit report. These are accounts I am unfamiliar with. I have been disputing these 2 accounts for debt verification for over a year. I have repeatedly asked for the original signature pages, which I am entitled to under the law, and despite not once providing the proof required by law my disputes have been repeatedly closed by Transunion, XXXX XXXX and XXXX XXXX as " verified '' without providing any of the required proof of said verification. This is in violation of numerous consumer rights and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX, XXXX : i need you to verify all my accounts on my credit report and check if it's accurate ... because i have my credit report in front of me and it's showing 3 different things from 3 different bureaus ... Fcra rules says that my credit report should be 100 % accurate ... and how can it be accurate if there are 3 different things reporting... please do diligent investigation so my credit report doesn't violate my consumer rights.. here 's the list of the following accounts in question.. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure that all three bureaus are 100 % accurate and are reporting the same exact items on my credit report including date last active, date last payment, date opened and amounts... according to fcra my credit report needs to be 100 % accurate otherwise it needs to be deleted because it violates my consumer rights... 15 usc 1681... .it states The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

In accurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a check from my new employer for {$1900.00} and tried to deposit to my Citibank account. The teller let me know that it would take 5 days for it to show up on my account since I was a new customer which was fine. The next day I tried to use my debit card and it kept declining. I called the bank and they said my account was closed and they will send a check for the money in my account. I was confused and asked why since that was a real check from my employer. I went to my local branch and they couldn't give me anymore information other than my account was being closed. Every time I called Customer Service the rep would keep hanging up on me. I am confused as why a real check from my employer is being flagged as fraud.