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

I have an old credit card with Capital One Bank - I use it intermittently, with the balance being paid regularly. 
requested an increase for a credit limit in XX/XX/2022, and received the following rational for refusal of a credit increase " Recent use of this account 's existing credit line has been too low '' I followed up in XX/XX/2022, after taking advantage of their offer to transfer a loan from another bank for XXXX interest for a limited time. 
This time the denial was very interesting. 
" Your average monthly payment has been too low '' " Recent payments on this account have been too low '' Given that their offer for a XXXX interest rate transfer does not require more than a minimum payment until the due date, their response was as expected. 
Capital One bank is violating Federal law by discriminating against XXXX
Product: Credit card or prepaid card

I sent them an e-mail through the synchrony portal on XX/XX/18. 

I purchased flooring at XXXX XXXX using the synchrony store card in XX/XX/2018. 

They have been charging me for something called card security since XX/XX/2018. I have no idea what that is or why I am being charged for it. I never agreed to pay for that service.
Product: Credit card or prepaid card

A Bank of AmericaXXXX XXXX XXXX XXXX opened in my name and mailed to my house in XXXX of this year. I called their fraud dept and had them close the card. I also froze and monitored my credit and had the hard inquiry removed. Just a few days ago I received a fake letter for the card i closed saying it was approved ( dated XX/XX/22 ). I believe the scam was to steal my info, open the card, and then send this letter to get me to call them back so they could get more info.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Credit card

XXXX XXXXXXXX Date reported XX/XX/year> I will also would like this account to be removed off My Chexsystem consumer report
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account Name XXXX XXXX XXXX ( Original Creditor : XXXX ) Account XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but EQUIFAX it's showing last payment for XX/XX/XXXX. It's was reported on Wquifax XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/21 i was XXXX  by XXXX XXXX. I was in XXXX  until XX/XX/21 during that time my idinity was stolen my checking account balance was XXXX XXXX Purchases and withdraws were taken from my account. Utility bills were paid at different locations charges me to companies Ive never done business I report it to Bank of America at the branch office on XX/XX/21 the explained my checking account had been taken over. Every security feature had been changed such as telephone number email address postal address username and password I filed a claim on all the charges made from the time that I was in XXXX I faxed over court paper work. Showing that I was indeed in XXXX  I also faxed over everything that the banker asked for police report and written explanation as to what happened so on and so forth. My claim was denied. At no time had I given permission to to anyone or shared with anyone my information. It was impossible for me to know that this fraud had taken place and the moment I was XXXX  and bank was open I went into BOA branch office to report the issue
Product: Mortgage

My mortgage has been transferred several times over the course of XXXX yrs. It is now with Quicken Loans. I have received XXXX statements regarding my escrow account dated XXXX/XXXX/15, XXXX/XXXX/15 ,XX/XX/XXXX15. The first statement included a check for {$610.00} and stated my XXXX XXXX 2015 new payment would be {$1400.00} XXXX from {$1600.00} XXXX. The XXXX statement XXXX/XXXX/15 stated the same changed monthly payment and also stated a home insurance pmt of {$640.00}. The home insurance bill is actually {$570.00} and I called to advise this, they told me to call the insurance company. Later they left me a message saying they called the insurance company. I have still have not rec 'd the difference in any form of credit or refund. 
The XXXX/XXXX/15 escrow statement states I now ( after they just sent a check for {$610.00} on XXXX ) have a shortage of {$620.00} and my monthly pmt will be {$1600.00} if I send a check for {$620.00} or {$1600.00} if I choose not to pay the {$620.00}. I have checked my escrow balance through my online acct access this date and the escrow balance is {$1800.00}. This is enough to cover the next quarterly tax pmt of {$1700.00}. The homeowners ins is paid for the year. With the current escrow pmt of {$630.00} there then would be enough in escrow to pay the following quarter taxes. ( also I appealed my taxes this year and the result was my assessment has been lowered, but the final quarterly tax adjustment is not available at this time, I m told in XXXX weeks, but the tax will be slightly lower ) I have called Quicken Loans to resolve this but when I call I have not been able to speak to someone to resolve this and they do n't return calls as they say they will. Bottom line they have no Customer Relations at the number they give to call. 
How do I resolve this to keep my mortgage pmt at the correct amount, and why would a company pay out {$600.00} XXXX month and the next month send statement asking for $ XXXX payment. ( and when their online statement shows escrow has enough funds to cover next tax pmt )
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX TX XXXX PNC Bank Blocked my XXXX access. 

I am writing to formally express my concern and dissatisfaction with the recent blocking of my access to XXXX through my PNC Bank account. I have been a loyal customer of PNC Bank for years 14 years now and have utilized XXXX for a variety of personal and financial transactions without issue until now. 

On XX/XX/year>, I attempted to access my XXXX account, only to find that my access had been blocked. I have not received any prior communication or explanation from PNC Bank regarding the reason for this action. This sudden restriction has caused me significant inconvenience, as I rely on XXXX for timely transactions and payments. 

I kindly request a detailed explanation as to why my XXXX access has been blocked and the steps required to resolve this issue promptly. It is crucial for me to understand the reasoning behind this action, especially since I have not been informed of any violations or issues that would warrant such a response. 

Furthermore, I expect PNC Bank to take immediate action to restore my access to XXXX or provide a valid reason for its continued restriction. Transparency and effective communication are essential in maintaining customer trust, and I am disappointed by the lack of information provided in this situation. 

Please consider this letter as an official complaint and address the issue as soon as possible. 

Thank you for your prompt attention to this issue. I look forward to your immediate response and a swift resolution.
Product: Credit reporting

I have been unsuccessful in removing the inquiries on my credit report along with negative accounts that are not mine, or reporting inaccurately. I have been disputing since the beginning of the year and have contacted the creditors whom state that it is up to the credit reporting agencies to correct as they have not deleted any payment history on any of my accounts, along with updating the information requested. I have been getting the run around from all three bureaus whom have deleted 10 years of positive payment history and have completely rendered my way of living. These inquiries are not permissible purpose inquiries and should be remove there are XXXX in total on all XXXX reports. There is a inquiry release letter enclosed that they are refusing to acknowledge.
Product: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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

The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXX XXXX XXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

multiple attempts to collect on a debt that has been charged off. 
I did mistakingly make a payment via Credit / debt card for {$1800.00} on XX/XX/2018 but our back deemed the charge a fraud and canceled the transaction, i have attached the emailed letter sent to me. A XXXX search of the number they call from shows multiple fraud complaints and unfair attempts to collect on old non existent debt. 
i believe it may be an XXXX XXXX Mastercard
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/year>, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/year>. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is securities fraud and identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was negotiated and agreed upon as a pay for deletion. Account was paid in full. The agent that took the last payment assured me it would be deleted. It has not and is still showing a balance owed.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/2022
Product: Checking or savings account

On XX/XX/XXXX I was receiving XXXXt and b.o.a. set me up with XXXX XXXX accounts in which I only new about XXXX which had no deposits or transactions on XX/XX/XXXX I call them and find out I have XXXX accounts make story short I have over XXXX which I have yet to receive I made a police report and been patiently waiting. They say it's a process to get my money it's been XXXX  years. But they did send me a compensation check that the controller of XXXX XXXX XXXX made them give
Product: Credit reporting or other personal consumer reports

Transunion has responded to my request in 2024 and said the inquiry were deleted off my credit report as I check today months later the same inquiries they stated has been deleted is still on my credit report.
Product: Mortgage

I am disappointed upon checking my credit report on XXXX XXXX to see that my credit has been compromised. Upon having XXXX. I am trying to start a XXXX for me and XXXX XXXXXXXX, to see that there are things holding me back. According to FCRA 15 USC 1681i G my information should not be shared without my permission. I am XXXX and XXXX to see such. I have tried several times to reach out to this company and the credit bureaus. Let alone by having my XXXX and XXXX go through a breach some months ago. This is a defamation to my character as well as a federal law violation. According to 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I'm upset and demanding that these things be removed immediately, its causing XXXX XXXX to me and XXXX XXXX. These companies should not be of furnishers of people 's information to 3rd party companies. It's illegal. This is negatively affecting my XXXX and putting me in a XXXX XXXX. I shall file litigation if the negative items aren't removed immediately. Thanks, please remove ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 DELETE UNAUTHORIZED INQUIRIES!!!
Product: Mortgage

I make a payment to PHH Mortgage every 2 weeks, so it coincides with my payroll period. PHH continually applies payments randomly to the loan principal instead of the monthly payment. I have called them and e-mailed them multiple times over the past couple of years. They say they have corrected it, but they never get it corrected. They are now claiming the loan is in default because I will not pay them an extra XXXX. a month for some fictional escrow amount they have calculated.. They sent me an account summary, I totaled up all the monthly principal and interest payments that were due, as well as all the Escrow disbursements PHH made. I then totaled all the payments I made during that same period as per their statements. The Balance is XXXX in my favor. Averaging the last 2 year escrow disbursements the monthly escrow payment would be XXXX they now want me to pay XXXX a month as an escrow payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. XXXX then reported the payment as 30 days late to Experian Credit Bureau. 

I reached out to XXXX XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.
Product: Debt collection

Sometime in early XXXX, I received a letter from AmSher about a debt account they received from XXXX. The letter stated the total amount but not the itemized amounts and I can not validate this debt, especially not knowing what the charges are. I called AmSher and left a detailed message regarding my account with them, indicating that I formally dispute the debt and request itemized charges. 
For a while, I heard nothing back and received no itemized charges ; I considered the matter resolved. Some time later XXXX late XXXX ) I am notified through credit monitoring that there was a change in my credit report. AmSher reported the debt in spite of my dispute, to the collection agency without first having sent the itemized charges or contacted me about my request. 

On calling them today, I was told my request was received shortly after I called and that the itemized charges were sent in the mail. No such mail ever arrived XXXX even though I receive other mail just fine, including their original notice ) ; no explanation or tracking number was given. I asked that in lieu of sending the itemized charges and/or notifying me they were not sent, that AmSher remove the report they sent to the credit bureaus, until after the itemized charges document has been sent. They refused to look into the matter further and insisted they're " not in control of the postal service ''. This seems highly suspicious since I receive mail routinely just fine, I am confident the document was not sent because they did not send it and it does not exist. Based on my past experience with this debt, a previous agency XXXX having attempted to do the same thing ) eventually admitted the document did not exist because no itemized details were provided by XXXX with the account. I am confident this is the case yet again, where the agency is falsely insisting it was sent as a pressuring tactic to make up for the fact they can not legitimately provide supporting documentation. 

In the past, I have contacted XXXX and the previous agency to confirm that XXXX deleted my account information, and so with it any information about itemized charges. It seems entirely like a scam tactic to, knowing this, a ) continue to collect the debt and b ) for agencies to " invent ' documents/details which don't and can no longer exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}