23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently requested a credit limit increase with Capital One bank for a credit card that Ive had in good standing since XXXX. 
The current limit is {$3000.00}, Capital One has never offered to increase the limit regardless of a XXXX balance, a near XXXX XXXX XXXX, and over {$43000.00} in FDIC insured deposits in CDs at their institution I typically use my other cards outside of Capital One to pay for daily expenses and repay every month in full. Ive been reluctant to use the Capital One card due to the low limit for concern that it could lower my credit score because of the increase to use ratio. 
On XX/XX/XXXX, I received a written decline from Capital One for the limit increase. 
The letter simply stated, recent use of this accounts existing credit line has been too low. 
I assumed this may have been an automated decision and reasoned that I needed to phone to explain that Id like to increase the limit so that I can use the card more often without lowering my credit score due to a low limit. 
I was very surprised when I phoned to hear that they were unwilling to further review. I originally spoke to XXXX, that stated there were no other options. 
After reviewing my concerns with her, I asked to speak with a supervisor and connected with someone by the name of XXXX. 
XXXX again continued to provide the same response as the previous representative. 
I again stated that I have over {$43000.00} in FDIC insured deposits at Capital One, Ive been a long-standing client of XXXX years, I owe XXXX balance to Capital One, my credit score is near XXXX, and I have low debt, sufficient income, and typically pay my credit card balances in full each month. 
None of this seemed to matter and she stated this is their credit policy. 
I asked to make a formal complaint within Capital One as I do not feel that this decision was made based on my credit worthiness and no credit review was conducted as evidenced by my credit reports. 
I feel this decision was based on Capital Ones need to sell new credit card accounts rather than review existing credit lines for long- time customers. I feel certain that had I applied for a new card, it would have been approved at a more reasonable limit than {$3000.00} ( a XXXX decision ). 
I asked XXXX if she could provide a tracking # for the Capital One complaint, she stated thats not an option. She also refused to provide the contact center, city, or state of her location even though I stated I was asking for purposes of a CFPB complaint. I reminded her that we are on a recorded line as Im aware that Capital One records calls and I am entrusting that she files the complaint as requested. Even after stating that I intended to file a CFPB complaint, no further credit review was offered. 
Id like a reasonable limit increase to {$15000.00}. 
If a true review of my credit was performed and I had some legitimate reason to be denied, Id accept the decision. However, this decision seems legally very questionable and certainly sales focused in nature.
Product: Checking or savings account

There were several checking accounts that were allegedly opened up and seem to have been defaulted on. I need assistance with this issue as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX BB and T- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX The banks above I have no connection to. Suntrust Bank, however, is a bank that I have been connected to but the balance seems to be off and incorrect. 

Suntrust Bank- XX/XX/XXXX Please, if you all would be able to investigate or remove that would be ideal and great. It's been difficult to open an account and move on life. 

Should you all need any assistance please let me know. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX  and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

am fling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, transunion actions XXXX also contravene the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, transunion actions may also contravene the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation. 
Below is the companies reporting negatively on my report and has since been deleted by the other credit bureau inaccurately reporting on my credit, transunion has been notified of my identity theft and continues to neglect there responsibility to report accurately. These are the accounts I marked as inaccurate. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account XXXX was settled and my balance should be XXXX. The information which was reported on my credit report is inaccurate and it violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL 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. 
XXXX. XXXX XXXX XXXX XXXX. XXXX/Georgia XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reported to Experian to remove a negative item on my credit report made by XXXX XXXX bank because XXXX XXXX bank canceled the contract thats connected to account number XXXX. This account and negative item should be removed from my credit report because I did not voluntarily cancel the contract and it was done by the company. Therefore I am not responsible for this contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state XXXX  XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXXXXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX  Florida State XXXX  XXXX
Product: Checking or savings account

XX/XX/2021 I sent a dispute for a transaction I made ( {$500.00} XX/XX/2021 ). I am disputing this transaction because I have not received the service I paid for. I got a partial refund. 
Since my dispute was sent I have not received any resolution from my bank XXXX. I was told many many time that I should be patient. But after 6 months no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Back in XXXX I had XXXX XXXX from car accident. I called all my creditors and explained why I might be late due to the severity of my XXXX and not being able to pick up my paycheck. Once I did get my paycheck the crazy employer gave me my paycheck and it bounced. I called again and explained the situation everything was verbally agreed upon and I assumed that I was ok until I noticed that I was indeed marked past due. I have made several attempts to plead with this removal and they are still dragging it out. My record of payments is impeccable never late except this particular time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian & XXXX for failing to properly investigate disputes on my credit report, resulting in the inclusion of inaccurate and misleading information. I disputed certain entries on my report due to errors, but Experian did not conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, the company conducted what I believe was a sham investigation, accepting responses from the data furnisher without properly reviewing or questioning their validity. This led to the inaccurate information remaining on my credit report. 

Furthermore, despite having disputed this information and believing it had been corrected, I later discovered that the same erroneous entries were reinserted into my credit report, likely under a new furnishers name. This re-insertion of inaccurate information violates the protections set forth in the FCRA, which requires consumer reporting agencies to prevent such actions. 

Experian & XXXX failure to notify me of the true results of my dispute and its failure to provide clear, consistent, and accurate information have had a significant negative impact on my ability to access credit, housing, and employment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank, NA ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. JP Morgan Chase ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 a account without my written instructions XXXX ( original Creditor ; XXXX AT T XXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate inquiries. 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. The following inquiries and inaccurate : XXXX XXXX XXXX  XXXX. Also, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became unemployed due to the COVID Pandemic since XX/XX/XXXX thru XX/XX/XXXX. Due that, on XX/XX/XXXX I completed the request of a Moratorium for my FHA Mortgage for the time period XX/XX/XXXX to XX/XX/XXXX with the XXXX XXXX. During that time period, the XXXX XXXX became to be part of XXXXXX/XX/XXXX. When I started to work again I want to know about my Mortgage Moratory status, and XXXXXX/XX/XXXXnotified me that although if I qualified for it, XXXX XXXX did not complete the approval process of my case. ( I sent a letter making a claim to XX/XX/XXXX on XX/XX/XXXX. ) XXXX XX/XX/XXXXdid not want to accept the moratorium submitted under the XXXX XXXX and reported the my account as overdue without first contacting us to explain the situation that was happening. The bank sent me a letter indicating that my mortgage was on due since three months. Due that my credit score as well as the credit score of the account co-debtor was affected by this mistake made by the bank. 
After that I made the payment requested by XXXX XX/XX/XXXX for the three months ( Paid on XX/XX/XXXX XXXX, and I asked XX/XX/XXXXto correct the mark on the credit that XXXX gave me since it was not my fault. XXXX XX/XX/XXXXdid not want to remove the mark made on the credit saying that this mark should be removed by XXXX XXXX, however XXXX XXXX does not have a mortgage area since became part of XXXXXX/XX/XXXX. 
Then, as per XXXXXX/XX/XXXX XXXX XXXX XXXX letter XXXX, the Credit Agency are whose have to delete the mark to the credit, since on its system the mentioned mark does not appear. 
During the process, a total of two ( 2 ) letters ( on XX/XX/XXXX, and XX/XX/XXXX ) were sent to the Disputes area of credit agency TransUnion asking to delete the credit mark made by XXXX XXXX and TransUnion indicates that the mark to the credit should be deleted by the mortgage area of XXXX XXXX XXXX Which does not exist ). 
I need my credit score as well as that of the co-debtor to be corrected.
Product: Debt collection

I contacted Global Biz Solution on XXXX  XX/XX/XXXX, XXXX speak with XXXX XXXX XXXX regarding my account. I had received an email from the CFPB offering a settlement of {$3000.00}. I informed her that I couldnt afford that amount at this time but proposed paying {$200.00} for the next three months, followed by a settlement.

She initially said there was no problem with this arrangement and will email a letter. However, XX/XX/XXXX, a gentleman ( whose name XXXX dont have on file ) stated that my arrangement could not be accepted. He said I either needed to settle the full amount or increase my payment. 

I explained to him that this was a sensitive issue and emphasized my concerns, but he dismissed them and blamed the client. I told him I intended to reach out to the CFPB to ensure I was protected.

I dont understand the issues with Global BizSolution LLC . Could someone please contact me so we can get on the same page, or will I need to file a lawsuit? I dont understand these tactics or the rules being applied here. Please help me resolve this. 

This matter is critical to me. It also effect my XXXX XXXX
Product: Checking or savings account

XXXX was diagnosed with XXXX in XX/XX/XXXX. He was impaired at the time of the scam described here. Scammers stole our money, and then Key Bank made us pay it back. 

XXXX writing for XXXX : On XX/XX/XXXX I received an email invoice for {$450.00} for five ( 5 ) licenses of XXXX software from someone purporting to be a XXXX employee. When I called to tell them I dont have 5 copies of the XXXX XXXX, they told me they would refund the money, and persuaded me to grant them access to my computer so I could enter the refund amount.

The next day, that same person called in a panic telling me that he had erroneously refunded me around {$45000.00}, and that he urgently needed me to wire that money back to him. I saw the amount in my checking account, promptly agreed, and wired him the $ XXXX. 

Then, the day after that I received another urgent instruction that the money had not gone through and that he needed to try a smaller amount. He said he had refunded {$42000.00} of the previous days money, and he needed me to wire that. I saw that purported refund in my account I sent a second international wire of $ XXXX. 

The scammers had hacked me, installed spyware/malware on both my computer and phone. They had transferred money from my XXXX XXXX XXXX to my checking account, so when I checked the bank, I saw extra money that they claimed was due to them. I did not realize that it had come out of my HELOC. Each was sent via international wire transfer to a bank in XXXX. I immediately reported the fraud to Key Bank. 

Key Bank responded by freezing my checking account. My checking account balance was, as usual, several thousand dollars. My HELOC balance had been fraudulently run up by the $ XXXX. 

Within a few days, Key Bank, with neither permission nor prior notification, debited my checking account by {$87000.00} and reimbursed the defrauded line of credit ( secured by my house ). They protected their secured loan, and overdrew my account to do it. 

Despite numerous calls to Key Bank to get information and status reports, their responses have been conflicting reports and endless time on hold waiting to be transferred to yet another department in the bank. 

They say that the fraud claim investigation is ongoing, but they have put us in collections for the overdraft. They offered us a mortgage on our house, and having no viable alternative, we accepted that. We now not only have lost the $ XXXX, but we are forced to pay {$830.00} a month for a mortgage. This situation is outrageous and untenable.