23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear agent, I recently moved from XXXX last XXXX due to job offer as doctor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As soon as we arrived, my wife and I opened a joint account at Chase Bank. 

My wife is also a doctor and our house income is expected over $ XXXX. 

Since the opening date we are facing problems with Chase to get a Credit Card. 

I understand that as foreign individuals, we don't have US Credit Score, although we have XXXX XXXX XXXX. However, our professional positions and family income should be relevant to obtain a descent credit card and credit limit. 

After many discussions a Credit Card with {$5000.00} limit was issued. Since then, the credit card has been paid weekly with absolutely no delay on payments. 

Now, 3 months after, I requested to increase the credit limit since {$5000.00} does not meet my family 's needs. As you can imagine, we are in 4 and our expenses are high.

For example, we are booking our holiday trip and I can't by the flight tickets for we all because the limit is not enough.

For my surprise, Chase, AGAIN, denied my request. 

Here are the main factors for a Credit Score : 1 ) Payment history : Absolutely respected with no delays. 

2 ) Amounts owed : Here we have the problem. Even if I pay the credit card weekly, my family expenses are HIGH. So, with $ XXXX limit, it is obviously that the percentage of credit we are using it is also HIGH. That's why we need to increase the limit! 

3 ) Length of Credit History : Nothing we can do to change time. 

4 ) New Credit : I have XXXX credit cards with CHASE ( XXXX and XXXX XXXX ). Prior TD Bank credit card is cancelled ( because I believed that Chase would provide me something better ). And I have a XXXX XXXX. That is all credit I have. 


So, as you can see, on my end, there is nothing I can do to change the factors exposed. 

However, my family income and payment history should be enough for increasing the credit limit.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries on my credit report are fraudulent. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I respectfully request that the following fraudulent accounts and inquiries be blocked and deleted.

Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$950.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$390.00} XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8700.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am XXXX  this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

I provided the below to Capital One and spoke to them twice via phone about my problem. The business lied on their rebuttals about me extending the stay because I liked it, when I extended the stay before ever arriving because my house was in a hurricane disaster zone and I couldn't go home. They lied about trying to help. They lied about calling me back. Their XXXX and XXXX reviews are full of people with similar issues. They have an F on XXXX. 

-- -- -- - When Hurricane Milton was imminent, I needed to evacuate inland. I booked a short term rental with XXXX for Monday through Friday and had no issues. By Thursday, I found out we would be without water and power for several more days. 



On Thursday, I booked another stay with XXXX for Friday through Sunday. I am contesting these charges. The check in time was XXXX and the cleaners were still there. When I got inside, I immediately smelled dog urine and quickly found dog hair around the house. The kitchen had food residue on the counters. There was visible dog XXXX on the staircase and even directly on the bed. 



I immediately called XXXX and text them. They have two phone numbers and email they use to communicate. They told me to email and text them photos of my concerns and theyd call me back promptly. I sent the images both ways and asked for them to confirm receipt. They never replied. 



I

called and texted over and over again. Sometimes they answered only to tell me they would call back soon and never do it. I eventually told them I need a new place or a refund and I vacated the property, within ab

out 30 mins of arrival. I told them this and I never returned.

In their response, they mentioned a deep cleaning in
spection. My images refute this. They say I stayed and liked it so much I added another night. This is a lie, I added the night before check in and never stayed due to there literally being urine in the bed. The title mentions the place being stunning, it clearly is not. They have an F on XXXX  and their XXXX and XXXX reviews are filled with similar horror stories. They do not properly clean or maintain their homes and hold you hostage. 



This is bad enough that they have now randomly charged me another {$190.00} an entire month after the booking and I am having to dispute that too. They sent me no messages, no invoice, I just got an alert from Capital One that they had charged me. 



They stopped responding and even answering the phone after promising me a resolution within 30 minutes over a 4 hours period. Please help.
Product: Debt collection

In XX/XX/XXXXI sent a debt validation letter to XXXX XXXX XXXX. I asked them for proof that They were bonded to collect debt in the state of Texas and validation of this account. They sent me a bill. They did not send validation of said account. I then contacted the Texas Secretary of State. They verified that XXXX XXXX XXXX is not bonded to collect debt in this state. Texas Section 392.101 prohibits third party debt collectors from engaging in debt collection unless they have obtained a surety bond and filed a copy with the Office of the Secretary of state. XXXX   has has not done this. XXXX XXXX XXXX are in clear violation of Section 392.101
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were madewithout my consent. According to section 604 of fair credit credit reporting to section ( 15 U.S.C 168 1B ), There are specpecific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My direct deposit from my employer is XXXX days late in my Capital One account and I need my funds to pay my bills. Capital One is not keeping me informed as to what the problem is and I need my funds.
Product: Mortgage

I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. 

By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. 

XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. 

On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. 

At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. 

I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. 

On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. 

At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. 

I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. 

If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know.
Product: Credit reporting or other personal consumer reports

I have been doing my best to remove this fraud account from my report for the pass week, Equifax refused to remove it!! Because they allegedly claimed that they never received an FTC report that Ive mailed to them. When I called them I caught them XX/XX/XXXX I spoke to a live representative I ask the first time have you guys received my FTC report one person stated they did receive. Then they hung up and I called on the XX/XX/XXXX the company had lie twice about not receiving my paperwork, saying they never got the FTC report!! Then I called the third time. They stated that they got my report, which I stated to them that you guys lie on a record line about this!! So I stated to the live agent that you mid falsely stated you never received my FTC which I mail it out on XX/XX/XXXX. And I was going to call the state of attorney of New Jersey to sue them! I would like for this to be resolved immediately
Product: Debt collection

On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number. 

I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}
Product: Debt collection

i have been harassed by this company for years, i told them i was never there
Product: Credit reporting or other personal consumer reports

I called capital one on XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT has refused to remove a {$360.00} collection on behalf of XXXX XXXX for alleged unreturned equipment which HAS in fact been returned to XXXX XXXX. XXXX XXXX gave instructions to take the equipment to XXXX which I did and received an RMA from XXXX XXXX XXXX XXXX on XX/XX/2019. The RMA was XXXX. CREDENCE RESOURCE MANAGEMENT has been provided with that information but is ILLEGALLY REFUSING to remove the collection. 

This HAS been disputed with XXXX and XXXX and CREDENCE lied to both of the Credit Reporting Services stating it is still accurate ( and disputing my return of the equipment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick in the XXXX  with XXXX  for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. 



Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.

If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



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

I have visited Experian 's website on several occasions to get credit information regarding my personal credit. they have you sign up for a free credit report and they require you to give you a credit card number to be charged XXXX dollar to make sure you are the intended user. will after my first experience last year if you do not cancel the free credit report, they start charging you XXXX monthly. well after many attempt to stop the service and get a refund, They followed through. So I was looking at old book marks on my computer and just happened to click on Experian 's website and it automatically signed me in to an old account that i was sure I closed for the membership. Will I was checking my bank statement a day later and noticed a charge for XXXX from Experian and so I contacted them to see why i was charged. I was told that I was enrolled in there membership program. I told them that I did not authorize this and that I wanted a refund and to have my personal credit card number removed from there data base. I was told they would refund me the full {$21.00}, but they could not take my credit card number off of there data base. I am fearful that this will happen again. to make matters worse, this happen to my wife as well. My membership number with them is XXXX. Please look into this unfair business practice for they should be protecting my credit information and not holding me hostage on a credit report Business opportunity scam. Thank you for your attention to this matter and i look forward to your follow up. best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX Account # : XXXX ) ** To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XX/XX/XXXX XXXX ( Account # : XXXX ) from my credit reports maintained by Experian , XXXX , and XXXX . The inaccuracies present in these reports represent a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 602, 606, and 611, which require credit reporting agencies to ensure accurate reporting and rectify errors promptly.

# # # Inconsistencies Identified : 1. **Account Status** : - The account is reported as **Closed** by Experian and has an indeterminate status by XXXX. This inconsistency violates FCRA 607, which mandates that credit reporting agencies maintain maximum accuracy.

2. **Payment Status** : - The payment status states that the account was **Paid, was past due 90 days** ; however, the lack of a clear payment history from XXXX is unacceptable. This contradicts the requirement under FCRA 607 for accurate and complete reporting.

3. **Last Reported Dates** : - The **last reported date** does not align with my records, further complicating my credit profile and potentially harming my creditworthiness.

4. **General Reporting Issues** : - The overall lack of clarity and accuracy in the reporting of this account raises serious concerns about the reliability of the information provided by these bureaus.

Moreover, I am aware of the recent data breach that has affected these credit reporting agencies, which raises significant concerns about the security and integrity of consumer data. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach only underscores the need for immediate corrective action regarding the inaccuracies in my credit report.

Given these violations, I demand the immediate removal of theXX/XX/XXXXXXXX account from my credit report. If these inaccuracies are not corrected within the legally mandated time frame, I will pursue all available legal remedies, including seeking damages for the harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A chapter XXXX bankruptcy is being reported on XXXX, XXXX and Equifax reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still  remains.
Product: Debt collection

Citi Financial Group called me and requested money right away needed it within XXXX hours or they were going to contact my employer, send a XXXX to the IRS, and charge me with a felony. The company never addressed what company they were calling from until the XXXX call. They woman gave all my information out to my wife without XXXX requesting my permission first. When we advised them they needed to prove that I owed this debt the XXXX worker stated they did not have to prove anything and we needed to prove where we did not owe this debt. My wife has spoken to our case manager today ( XXXX/XXXX/15 ) and advised the case manager that we did not want any money taken out until we received the email with the documents that we were promised and requested information to be faxed over.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/, I received a letter from my mortgage company, Axos Bank, titled " Annual Escrow Account Disclosure Statement and Projection for Coming Year. '' Upon review of the letter, I found out that my mortgage payment has increased from {$2700.00} to {$3500.00}. Ever since, I have been trying to reach out to the bank for explanation of the sudden drastic increase in the mortgage payment but all to no avail. All I keep getting is a run around. Nobody seems to know who could answer my question. Consequently, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for help.