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

I hold 2 cards with capital one, one I've held since XX/XX/XXXX and the other I have held since XX/XX/XXXX. 
I have continued to request a limit increase on both of these cards and continue to get denied for no justifiable reason. My last and only increase on one card was XX/XX/XXXX and the other was XX/XX/XXXX.

After calling the company directly and asking why the denial for the limit increase ( s ) I was not given a direct answer as to why. Though the representative I spoke to did state to me on the call that I indeed do meet all of the requirements/qualifications for a limit increase.

Qualifications being : all of my payments have been made on time, no missed or late payment ( s ), as well as  keeping my utilization under the 30 % threshold. Though I was informed that I met all the qualifications for a limit increase on both cards, I was told they had no control. Though when I applied for both cards, it was advertised that there would be periodic limit increases provided all qualifications be met.
Product: Debt collection

I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX, Has violated my rights. 

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.

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 XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Capital One received a Deletion Request letter from me letting them know that I ( the consumer ) Demand that they remove my information from their systems and any third party agencies that they have given ( without my consent ) my information to. 

On XX/XX/2021 Capital One responded with the attached letter stating that they will not remove my information and that it will remain for XXXX years. 

On XX/XX/2021 i called Capital One and spoke with Supervisor XXXX XXXX XXXX XXXX. When XXXX got on the line she stated her credentials. She also advised me that I was on a recorded line. I replied to her that he is also being recorded on my behalf, and that I am in a one party state and on need my consent to record. XXXX then disconnected the call. 

On XX/XX/2021 I called back and spoke with Agent XXXX XXXX XXXX XXXX. XXXX advised me that i was on a recorded line. I then advised XXXX that she is also being recorded and that i am a one party state and only need my consent. I then asked XXXX to transfer me to a supervisor and she transferred me to XXXX XXXX XXXX XXXX. When XXXX got on the call she advised me that i was on a recorded line. I then advised her that she is also on a recorded line on my behalf and that i am a one party state and only need my consent. XXXX then asked me to stop recording and i refused to do so. XXXX disconnect the call. 

Capital One is Violating my consumer RIGHT TO PRIVACY 15 U. S. Code 1681 ( a ) ( 4 ).

Capital One was never given written permission to report any of my information 15 U.S. Code 1681b ( a ) ( 2 ).

Capital One is not the original creditor and can not report anything that pertains to me unless I ( The original Creditor/ Consumer ) give them permission to do so. 

Capital One is committing IDENTITY THEFT FRAUD. The have my person information and have transferred my person information with out my consent 18 U.S. Code 1028A ( a ) ( 1 ) The information that Capital One is reporting on my consumer report is negatively impacting my score and I DEMAND that it be removed IMMEDIATLY.
Product: Credit card

I took out a " Rooms to Go '' account by Synchrony. I use Synchrony for few different credit lines but this one ended terribly. I have great credit score at XXXX. This week, with no warning at all, they closed my account due to inactivity. All other cards that I have will warn me if I haven't used them and that they may close them within 30 days. 
I am currently buying a house and was informed by my financier that I should not use my credit while the house is being purchased, so I refrained from purchasing the new couch from RTG. While this was happening, Synchrony closed my account and tanked my credit by XXXX POINTS! This severely damaged my house-buying progress. 
I called Synchrony to try to resolve the issue and they said there is " nothing we can do except open a new account '' - which is false, as I have had creditors do this before. When I asked the representative on XX/XX/year> if it was their policy to close accounts without notification, she checked and said that it IS their policy to NOT NOTIFY the owner of the account. I found out because XXXX XXXX  notified me- NOT SYNCHRONY. 
I want others to know that : If you care about your credit, or you are about to make a major financial move, DO NOT USE SYNCHRONY. They have Terrible business practices. 
This is the second time they have refused to work with me over minor issues that made a major impact on my credit history and I am done with them. I suggest you do the same.
Product: Checking or savings account

On XX/XX/21 I received a text message to call XXXX which said it was FROM : XXXX, prompting me to call and share my debit card information, social security number, and contact information. I was distracted and wanted to take care of any issue quickly so I gave my information, which now feels very foolish. 

This morning ( XX/XX/21 ) I received a similar text message from XXXX, instructing me to call XXXX or XXXX ... this is what made me realize that I had given my information to a scammer.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are XXXX erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount that they opened for. XXXX XXXX XXXX  # XXXX {$1000.00} opened XXXX ; XXXX XXXX # XXXX {$41000.00} opened XXXX ; XXXX XXXX # XXXX {$45000.00} opened XXXX ; XXXX XXXX XXXX # XXXX {$560000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX {$3000.00} opened XXXX ; XXXX  XXXX # XXXX {$14000.00} opened XXXX XXXX ; XXXX Bank # XXXX {$2200.00} XXXX XXXX ; XXXX XXXX  # XXXX {$11000.00} XXXX XXXX ; XXXX XXXX  # XXXX {$6100.00} XXXX XXXX ; XXXX XXXX XXXX XXXX  # XXXX {$8600.00} XXXX XXXX ; XXXX & XXXX # XXXX {$320.00} XXXX XXXX ; XXXX XXXX XXXX  # XXXX {$450.00} opened XXXX. There are also XXXX inquiries showing on my report I will list the bank and the date the inquiries were made. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

HSBC failed to honor the {$600.00} sign up bonus for the checking account I opened, even though I have doing monthly {$5000.00} direct deposit as the requirement for receiving the sign up bonus.

I have contacted HSBC previously but no one is following up with me and my issue never resolved.
Product: Credit reporting or other personal consumer reports

THIS WAS SENT TO ALL 3 CREDIT REPORTING AGENCYS ON XX/XX/XXXX TRANS UNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Someone has been using my name and information. Due to FRAUD on my name I would like for you to remove any addresses, names, birth dates, and social security numbers that may appear on my credit file. I only want the information reporting on my credit report that appears on my drivers license social security card. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Product: Credit reporting or other personal consumer reports

The account that is in serious consideration is XXXX XXXX XXXX that was Last reported on XX/XX/year>, as closed. The account age of this account is 15 years and 6 months before it was closed. I am XXXX years old. How on earth, can I open a rental agreement with XXXX XXXX XXXX  and then close the account in XXXX of 2023? This means I must have opened the account when I was XXXX years old. This is not my account, and I did not know this account.
Product: Mortgage

Round-point is belling me for taxes .The Taxes was paid at the closing the people that I bot the house from pawed half and i payed half. now round-point is trying to bill me again for the taxes. They are giving me the run-a-round. I sent all the paperwork to them they still say I them the tax money. 
I will never do business with the again.
Product: Credit card

Credit Karma has a selection of credit cards that they guarantee you can be approved for. I signed up for the card that stated I wouldn't be turned down and once I applied, I was turned down.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested the removal of the collection XXXX XXXX bill - XXXX  XXXX in the amount of {$1600.00} that is showing up on my TransUnion report. This account was forgiven and paid in full on XX/XX/XXXX by XXXX XXXX. Furthermore, per the CFPB as of XX/XX/XXXX, XXXX bills are to be removed from consumer reports! Since this bill was forgiven and paid, and also being reported by a collection agency my rights to privacy are being violated since this is still reporting on my credit report. Attached you will see documentation showing the forgiveness/ payment of this debt. This account needs to be removed ASAP.
Product: Credit reporting or other personal consumer reports

Please update my credit report to one name and address only. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as I have disputed all other information as it being wrong and for months it still has not been successfully updated as I am constantly told that names that are not mine nor addresses mine, apparently are correct on my credit report. THEY ARE NOT!!
Product: Money transfer, virtual currency, or money service

Hi paypal, Now without any reason another limitation has been place on my account. 
This situation is really embarasy. 

But let me remind to you about you said the last time about to enable the option for withdraw my money. 

XXXX READ THE ATTACH DOCUMENT. 

I DONT NEED TO WAIT XXXX  DAYS AGAIN!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response letter from Equifax. 
In the letter they continue to report my in-correct phone number. 

Equifax reports a wrong phone number XXXX. This is not my correct phone number Equifax needs to report my correct number. This is now my XXXX attempt to get them to correct this information. Please delete the incorrect information. 

My correct phone number is XXXX. I kindly and patiently am asking that they stop reporting this wrong information and correct my information. I am enclosing a copy of the letter that they have sent me today and I have circled the incorrect phone number in green.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institute and zelle failed to investigate my claims adequately.
Product: Checking or savings account

I opened the PNC checking account by clicking on the application link for Virtual Wallet Performance Select with {$400.00} welcome bonus. However, something messed up in PNC backend system that I ended up opening another type of checking account as Virtual Wallet with only {$100.00} welcome bonus. 

After I met all the requirements for the promotion but suddenly found that PNC gave me a different checking account from what I applied for, so I called customer service to change my account to Virtual Wallet Performance Select which is what I applied for. 
The banker on the call told me that my account has already been updated and the welcome bonus would be issued based on the updated checking account. However, I ended up receiving the bonus of {$100.00} which is still for the wrong checking account PNC issued at the beginning. 

I called PNC banker again but they was not able to do anything. They just gave excuses that the final bonus is based on the original wrong checking account PNC issued, instead of the corrected checking account type I changed later. 

This is such a cheating behavior because it was PNC who messed up the application, issued the wrong checking account type, or messed up in recognizing the application link and resource. 

My PNC Account Number : XXXX ( Virtual Wallet Performance Select ) Please review my welcome bonus requirements for the corrected checking account type ( Virtual Wallet Performance Select ). And issue me the correct welcome bonus amount of {$400.00}.
Product: Credit card or prepaid card

On XX/XX/21 I went to my local XXXX to withdraw {$200.00} from an atm at that location. The transaction completed, a receipt was provided, however no money was dispensed. I informed a clerk at the store. The ckerk stated the atm was having " issues '' for the last few days and I needed to call the number in the atm. When I called the atm company they informed me I needed to call my bank. I went back home, called my bank, US Bank. US Bank provided a provisional credit while they researched my withdrawal issue. 

On XX/XX/XXXX US Bank rescinded the provisional credit. To date XXXX XX/XX/XXXX ). after a number of calls, I have yet to be told why they rescinded the credit for the failed withdrawal.
Product: Checking or savings account

Called bank to close my account in mid XXXX. Bank was supposed to mail a cashiers check for $ XXXX which was my account balance at time of closing. As of XX/XX/21 I have not received my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX XXXX  loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature.
Thank you,
Product: Mortgage

I suffered a water damage loss on XX/XX/2015. I wiped out my laundry room, the master bath closet and foyer closed which all adjoined the laundry room. I submitted a claim and was given a {$5900.00} award to repair our home. To this day they have not sent the check from Nationstar Mortgage Co . 
They claim that it is because I am behind in my mortgage payments. I can not do anything about that as I am XXXX and can not work until I can have my XXXX. 
In the meantime, they keep telling me that they need more and more documentation from contractors etc. I told them to make out the check directly to the XXXX so they would not have to fear that I am going to leave my home and run off with their money. I have lived her since XXXX and I am trying the best I can to recover from : the stock market crash, the housing bubble bursting, XXXX and otherwise. I am XXXX and they are making my life XXXX. 
Without the use of a laundry room or closet in our master bedroom one can only imagine our life with clothes needing to be taken to the laundromat weekly, no place to hang them and the house being in disarray. It is depressing and totally unnecessary Would someone please help us? We are at our wits end here.
Product: Debt collection

Rent Recover XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX XXXX XXXX XXXX XXXX under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX should be fired and Rent Recover should be closed down.
Product: Bank account or service

Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.
Product: Bank account or service

Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings, from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking, and transfer fee penalties assessed to the consumer 's Wells Fargo back up savings or credit card accounts. 
Wells Fargo refuses to make proper credits to the consumer, and then has free use of the transferred funds until the close of business. This is PREDATORY. 

UPON COMPLAINT, Wells Fargo reversed the charges, thereby WIPING any trace of this fraud. Attached account records.
Product: Student loan

The alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing me.
Product: Debt collection

On XX/XX/scrub>XXXX XXXX XXXX I got a suspicious calls from suspicious numbers 1st call they it appeared to be a wrong number then the second call it appeared the person did not know how to speak XXXX then the 3rd call from ( XXXX ) XXXX, an agent that acted like a lawyer on the phone refusing to give me detail of who they are claiming that I owe a debt. My identity has been compromised, I dont know who these individuals are, but XXXX here to report an put a stop to any activity done to my principal, social security and personal information.