23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've had the care credit card for 3 years. I've never missed 1 payment. I had over {$4900.00} available credit as of XX/XX/2024. I paid my payment yesterday and my limit now shows {$40.00}. It was reduced to my balance I owed removing all credit I had available. I didn't use this card except for emergencies. And now I have nothing. They state a review was done and my limit was reduced. Well now my credit score is even more affected since I lost {$4900.00} available credit. They literally made it look like I'm maxed out now when I had credit. My score will now drop even more. This economy is killing me. I will be filing bankruptcy at this rate. Credit card companies shouldn't be able to remove everything you earned and worked for. I'm being punished because I'm not rich and my credit is struggling. I've never missed a payment with them and I did not deserve the limit reduced making my credit worse and now I have nothing yet I paid on time for 3 years. I earned that limit and it's gone. I will be canceling them once I pay off the rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request for a consumer disclosure from ChexSystems for it to be delivered digitally to my online portal with them. Have not received the disclosure in a reasonable amount of time.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX / XXXX / XX/XX/2021 XXXX XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/20XXXX XXXX / {$550.00} / XX/XX/2021
Product: Vehicle loan or lease

I am contacting you with a complaint of unfair business practices and discrimination against VW Credit. 
I am scheduled to XXXX  to XXXX as a XXXX  XXXX  XXXX XXXX   employee with the XXXX XXXX on XX/XX/XXXX under military orders. 
VW Credit wont authorize me to ship my car which is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Hawaii License # XXXX with the following XXXX # XXXX According to VW Credit the only vehicle owners authorized to ship their POV are XXXX XXXX  military. As an XXXX XXXX Veteran with ( 4 ) XXXX XXXX, I feel highly discriminated against. I have tried to refinance my vehicle and found the following issues : 1. XXXX will not ship to XXXX 2. XXXX XXXX XXXX denied my loan request 3. I can not use XXXX XXXX 4. I can not sell the vehicle as the balance on the car is more than the car is worth. I bought the vehicle in XXXX XXXX from XXXX XXXX. The dealership can not help me in this situation. 
5. Due to the car being upside down, it is almost impossible to sell the car to a private individual. 
6. At this short period of time, it looks like I must surrender the vehicle to the dealership I purchased it with and that becomes a repo. This will affect my career with the federal government and my secret security clearance status.

7. I have contacted a law firm and was told to contact your company regarding this issue. 
I am appalled that after several attempts to reason with VW Credit, they refuse to help resolve this issue. My XXXX XXXX is the second XXXX  I have had with VW Credit. I can no longer trust VW Credit as a veteran friendly company, not only for me, but other veterans, federal government civilian employees in the same predicament. Is there anything you can do on my behalf? 

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

The report shows late payments that dont match my history. Please correct these discrepancies and update my account.
Product: Debt collection

On XX/XX/XXXX/2025 wrote debt collector Spring Oaks Capital , LLC informing them that I refuse to pay alleged debt pursuant to XXXX5 USC 1692c ( c ). Complaint # XXXX. On XX/XX/XXXX25 Spring Oaks Capital , LLC violated my consumer rights under the FDCPA by not complying with 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). Spring Oaks Capital , LLC and its CEO, CFO and compliance department did not comply under what is require or their obligations pursuant to15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). SEE FEDERAL LAW BELOW 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. Spring Oaks Capital , LLC non compliance is a direct violation of FDCPA and shall be liable for operating in bad faith and unclean hands.
Product: Debt collection

I am writing to formally address the ongoing communication I have been receiving from XXXX XXXX XXXX regarding a debt that has been deemed invalid. I would like to bring to your attention the violations of the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692 that have occurred as a result of your agency 's continued attempts to contact me. 

On XX/XX/XXXX, it was legally determined that the debt in question was not valid and was a result of identity theft. As a result, I did not provide my consent for XXXX XXXX XXXX to contact me in any manner whatsoever, including but not limited to phone calls, emails, or written notices. I have taken the liberty of attaching relevant documentation, including screenshots and the written notice, to support my claim. 

Despite the aforementioned determination and subsequent notice, I have been persistently contacted by your agency between XX/XX/XXXX until today. This continuous communication directly violates my rights under the FDCPA and 15 USC 1692, which clearly state that communication should cease once the validity of a debt has been challenged and debunked.
Product: Vehicle loan or lease

I have written numerous emails asking for a deferment due to the vehicle braking down on me since XXXX, They said if I can show proof they would assist me with the deferment, ( which i did ), never got a response back .. then the manager contacted me and said he would make an exception if I can make one payment which I did, never got a response from them until days later they started calling me again with threats to repossess my car which in fact is not drivable.
Product: Checking or savings account

I never did anything fraudulent on any bank accounts. My identity must have been stolen. I contacted Bank of America several times about this. I was homeless at the time when this was suppose to have happened. Also XXXX Bank also I never did anything fraudulent I was homeless. And I had a bank account with XXXX Bank and had no problems. Went to open another bank account and all of these fraud alerts are stopping me from opening account to buy my home. I
Product: Credit card

I applied for the SavorOne credit card with Capital One. I was approved for the level card meant for those with excellent credit. However, I wanted to verify the XXXX percent rate for balance transfers because I didnt see anything about promotions in the papers sent with my new card. XXXX different agents said I didnt have a XXXX percent promotional rate for transfers only purchases. I qualified for everything else advertised for the card. On their website it clearly showed this offer as XXXX of the benefits for the level card I was approved for. The supervisor I spoke with tried to tell me there are XXXX different levels to the card but the website only showed XXXX. Since I qualified for the spend XXXX in 3 months and get XXXX dollars back I should have also qualified for the XXXX percent transfer rate as shown on the website. This is a bait and switch in my opinion. No where on the page advertising their card is there a place that says they XXXX change the advertised benefits. I should get all the benefits advertised for the level card XXXX approved for. They simply show XXXX levels of XXXX branded cards, although the agent said there are XXXX levels. Each with their own benefits. This is unfair to the consumer. I applied only for the transfer feature, yet they made it unavailable to me. Now I have the hit on my credit report because I didnt need the card without the option to transfer a balance. Capital One when you read this just know you need to do better. XXXX really disappointed in you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I m having a problem with Equifax I can't see my credit score from them through privacy guard second I try to reach out through them but I can't get through when someone finally answer they can't speak English I would like to know what are they hiding in my report that I can't lay my eyes on. please have them respond to my complaint so that I can resolve what ever problem on my credit.
Product: Checking or savings account

A company called XXXX Bank contacted me saying I had an account with them and they wanted me to sign up for online banking. I have no such accounts. This is the second time someone has tried to open an account in my name the first time it was caught and shut down by the company. I will try to shut this one down as well but I'd like to stop the problem before another one is opened
Product: Checking or savings account

XX/XX/22, I was contacted around XXXX via text with a message mirroring a typical Chase fraud alert, asking if I was trying to make a XXXX purchase. I replied " No '' to that message as shown in the screenshot attached. 

Immediately upon my reply, I received a phone call from the Chase customer service line that I've memorized since college 14 years ago ( see attached phone record ). I trusted the agent on the line because of the number from which they called. 

They pretended to be investigating my fraud case and asked me for personnel details. They used these details to access my Chase account. 

After the agent hung up the phone abruptly. I check my account. The " agent '' had transferred {$1000.00} from account XXXX to account XXXX. Then proceeded to fraudulently send a XXXX payment to themselves in the amount of {$500.00}. 

I then contacted Chase 's actual fraud department and reported this. After being transferred 3 times, I was told that they would send a reversal request to the other bank to see if it would be approved. I was then advised to call back in 10 days. 

I suspect that no action was taken by Chase and this was an attempt to disregard the matter. I sent chase a letter requesting my funds be returned to my account as consumers should receive protections from fraudulent activity. 

In response to my letter. I received the attached chase letter stating that no action will be taken to resolve my inquiry. 

My desired resolution is that chase will immediately credit the {$500.00} to my account.
Product: Credit reporting

Logged onto Experian web site to get credit report for {$1.00} in XXXX. Seven months later I find that I 've been billed {$21.00} per month for some type of credit monitoring program that I had absolutely no intention of joining. This is clearly some kind of " bait and switch '' trap to get consumers to agree to an unclear set of terms, and then bill the credit card for which they have your name, number and permission to make a charge. I would like to have a complete refund of the {$150.00} that I was billed by Experian for this bogus " service ''. This is clearly a scam and should be stopped. Thank you.
Product: Mortgage

I sold a home financed by BB & T in XXXX 2014. At the time I was almost XXXX months behind on the payments. The home was completely paid off and I received a refund from my escrow account. A few months later I noticed it was showing delinquent on my credit report so I disputed it. It came back as valid. I disputed again, came back valid. I called BB & T and a customer service rep said there was a {$10.00} balance for an inspection. Nobody sent me anything regarding this. I asked how to get it resolved, she transferred me to a voice mail box. I left a message more than a week ago, no response. I want this corrected on my credit report. It is showing delinquent for a year now. Can you please
Product: Consumer Loan

I leased a Nissan in XXXX and traded it in XXXX XXXX, 2 months before when my lease had ended. The dealership paid off the lease in full on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a woman contacted my nephew and wanted my phone number and said that I needed to fill out paper work from Nissan. I contacted the woman immediately and informed her that I traded car in XXXX and car lease was paid in full. She said that I have n't paid payments on the car and she will let her supervisor now that I no longer had car and she will call me back. I checked my credit report in XXXX XXXX and discovered that the company had my credit lowered stating that I was 3 months behind on payments. I contacted the car company and I was informed that the car is missing and I am liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} SOURCE XXXX XXXX XXXXalance : {$740.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX & XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX physician sold accounts to 2 different collection agency same accounts with different amounts ... Inaccurate information being reported..
Product: Credit card

We were issued a Costco Citi card ( XX/XX/XXXX ) without our authorization when Costco ended its contract with XXXX. We did not want a Citi card and chose not to activate it until we needed to retrieve a credit from an earlier return. On XX/XX/XXXX we activated the card, and instead of finding a credit for {$30.00} we found one for XXXX! And had no idea what that was for or from. I called Citi to find out- was told it was just part of the transition from XXXX and the balance was correct. I called again the next day or so and this time pointed out in detail what my records showed- and that it was NOT a {$990.00} credit. Again I was led to believe it was all a legitimate transaction. We began using the card on XX/XX/XXXX for 1 charges, and not until XXXX for other charges. The figures continued to bug me and I call a 3rd time around XX/XX/XXXX or so, and asked the rep to walk me through that credit and where it was from. The response was pretty much the same : all part of the switch. We decided to spend down that credit then close the account. On XX/XX/XXXX we got a check from Citi for the balance of the credit. This struck me as odd, we did n't ask for it, or expect it. We deposited it in the bank and used it to pay the Citi bill that month. And on XX/XX/XXXX we get a notice from Citi saying the bank had made a mistake, the credit was an error and that we would be expected to pay it back- that charge would show up on the billing for XX/XX/XXXX. We called immediately and over several days have talked with 4 customer service reps - 2 of whom were supervisors. The regular reps can do nothing and really did n't understand the situation. When I explained the mis-leading and false info given to me during several phone call, and ask that the bank take responsibility for what were in fact 4 errors ( the initial deposit, the assurance of the correctness of the statements, the ignoring my insistence on the actual credit, and finally the sending of check for a credit as late as the end of XXXX ) and erase the charge from our current bill, I was told there was no way that could be done. The supervisor today denied that I had made any phone calls until XX/XX/XXXX when apparently I said the XXXX account was closed ... and said their records showed NO phone calls from me except the XXXX one and the one on XX/XX/XXXX. My records do show I called when I said I did, and there is no record that I called on XX/XX/XXXX to tell them something that was not true -the Costco XXXX card expired on XX/XX/2016. 
I feel as if we are being scape-goated, and that I was lied to about phone calls that possibly were deleted from their records. We are in our XXXX and on a fixed income- I ca n't help but wonder if we are n't the perfect demographic for a scam! We have closed the Citi account and returned the cut-up cards to them. Once the Citi cards were issued in XXXX our credit score- excellent for 55 years, dropped several points. We are most distressed with Citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX, Experian and XXXX regarding my personal information on my credit report. It seems other names or addresses that do not belong to me are on my credit report. 

My only Name is : XXXX XXXX XXXX My only SS is : XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl XXXX My only Employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other names, addresses or employers are wrong and do not belong to me, please update my personal information and delete all the wrong information. 

I have attached Proof of my Drivers License and SS Card.
Product: Money transfer, virtual currency, or money service

I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for Department of Education showing incorrect account information on credit bureau reports with XXXX, XXXX and Experian. XXXX is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans. 
Credit Reports with XXXX, XXXX and Experian reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.