23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Complainant states that on XX/XX/2022 an individual or entity unknown to complainant withdrew {$1200.00} from complainant 's checking account - one of three accounts at Capital One, N.A. held by complainant residing in XXXX, MD. 
In the course of regularly reviewing this specific checking account online, complainant on XX/XX/2022 saw the withdrawal, described as " check payment '' with a preprinted check number that complainant had already written to a life insurance company for {$1600.00}. An image of both the front of the legitimate check as well as the back of the check is fully shown after said check had been deposited by the insurance company and is clearly documented in Capital One 's online banking system. 
Unlike all other check withdrawals from complainant 's said checking account, Capital One 's online banking system contains NO IMAGE of the purported same numbered check for the {$1200.00} amount. 
Since XX/XX/2022, complainant has contacted Capital One, N.A. at least 5 times to alert the bank of the undocumented, unauthorized withdrawal of {$1200.00} and requested the misappropriated funds be immediately restored to complainant 's checking account. 
None of the more than XXXX Capital One employees with whom complainant has spoken could identify the person or entity who or which withdrew the {$1200.00}, nor could they produce any image of the so-called check or otherwise provide any explanation of the withdrawal or even explain the absence of any online image. 
Complainant has repeatedly demanded that the misappropriated {$1200.00} be immediately restored to complainant 's checking account. That demand has yet to be fulfilled. 
Since XX/XX/XXXX, Capital One 's various employees have said that the withdrawal is being reviewed and/or investigated by other Capital One employees variously labeled as " customer service research, '' " dispute '' or " investigative teams. '' At least two case numbers have been assigned to this matter. 
All of the repeated three to ten day periods Capital One employees said it would take to complete its investigation have come and gone with no restoration of complainant 's {$1200.00}. Nor has Capital One EVER contacted complainant/customer of more than 30 years with Capital One to advise complainant of the results of Capital One 's investigations. Complainant has had to initiate every inquiry. 
One of Capital One 's employees verbally acknowledged that the negligence or malfeasance was the result of an individual " ... presenting an image of a check with the information being put in incorrectly... '' and that the check was " ... processed incorrectly. '' That acknowledgment, however, did not lead to any restoration of complainant 's funds. 
Banking with a financial institution requires that the customer entrusting funds to that entity have confidence in the integrity and security of said institution. Capital One, N.A. 's slogan is " What in your wallet? '' In this case, complainant asks " Who's in my wallet? ''
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a cosumer.
Product: Credit card or prepaid card

I have ( had ) a Synchrony Bank Care Credit card. This card specifically for medical or veterinary care. I got it when my dog was sick and needed life-saving treatment. I made all the payments on time and had a zero balance. I kept that card because if another medical emergency came up, it was peace of mind to know I could pay whatever was requested up front and then pay off the card later. This weekend I was alerted by XXXX XXXX that my card had been closed. As a result, my credit score went down. 
I called Synchrony Bank on XX/XX/22 and they said in their fine print they can close any account at any time for any reason. In my case the reason was inactivity. But it's not a card where you can just occasionally charge something somewhere and pay it off, since it's only for medical or veterinary use. They told me my only recourse was to reapply for the card again. I told them that would impact my credit score twice. I asked to speak to a supervisor who told me the same thing - that they closed it due to lack of use, and that there was nothing they could do.

This is unfair and frustrating. Not only was my credit score negatively impacted but now I do not have that card or the peace of mind that came with knowing I could pay in an emergency situation. Looking online, I see that this is a common occurrence with Synchrony. It is so wrong. I hope you can do something about it. 

Thank you. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXX, 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 a 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 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

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/2021 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

6. BMW FIN SVC Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

8. XXXX  Account Number : XXXX  Please remove it from my credit report.

9. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

11. XXXX  XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX 2021 XXXX  posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting

I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011 and second I visited XXXX XXXX clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine ... now if the irs and XXXX XXXX clerk are willing to drop this idk why experian has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required
Product: Debt collection

i received a letter of intent to file a lawsuit by southern oregon credit service. i sent them a letter requesting validation of the debt by certified mail on XX/XX/2018. it was received by them on XX/XX/2018. to date there has been no response or communication from them.
Product: Checking or savings account

Bank of America closed my account all of a sudden and did not update the reason. I opened a business account and funds have been deposited from vendors out of state. 
They closed all my family accounts including my wife and kids accounts and did not update a reason. Have been trying them since 2021 and there is no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not reach TransUnion to dispute inaccurate accounts in my credit report. I have tried by phone and through their website which does not work.
Product: Credit card or prepaid card

I had three credit cards with Bank of America, 2 for over 20 years and 1 for 8 years. I didn't have a balance due on any of them. Then in XXXX XXXX XXXX XXXX charged one of the cards {$120.00}. I didn't know about the charge and I missed the email from Bank of America about a payment due on XX/XX/XXXX. Bank of America does not send paper statements or bills to me, I asked them before to resume paper statements. I saw an email on or about XX/XX/XXXX saying that a payment was due on XX/XX/XXXX. I immediately called Bank of America and explained what happened, I then paid the bill in full, {$140.00}, the XXXX fee plus a {$25.00} late fee. The next day I got an email from XXXX XXXX saying that one of my bank accounts was closed. I got three letters, dated XX/XX/XXXX, that day from Bank of America saying that they closed two of my accounts and the one with the charge had the credit limit reduced to {$500.00}. I called Bank of America and tried to explain things to them, that I didn't know that XXXX had charged my account and that I paid off the balance in full when I learned about the charge. The woman said there was nothing that she could do about the closed accounts. Perhaps I could get the credit line increased on the open account. I was so disgusted with B/A that I told her to close that account. I had two of these accounts for over 20 years and the other one for 8 years. I didn't know about the charge and it was less than 30 days late, when I paid it in full. What is most absurd is that on the three letters that I received, it was stated that XXXX accounts were being acted upon because they checked my FICO score and it was an XXXX. I believe this is an unfair trade practice, at the very least it is just not good business.
Product: Debt collection

Vance and Huffman stated on my previous complaint to consumer finance.gov that they will be closing account and removing account from my credit reports. Instead they sent to XXXX and other bureaus that the collection account is correct. They lied and did not do as they stated and furthermore this is not my collection!!! I have zero knowledge of this account. I pay all of my bills on time and now am losing out on getting a home!!! They are completely messing with my quality of life. They absolutely need to deletXXXX this collection off of my credit AS THEY STATED THEY WOULD pubically on the consumer finance.gov website under complaints.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 4 late payments on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX ). I'm now requesting you investiage and provide verifiable proof with records showing that I had late payments. If this information can't be verified I demand that the payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

I requested a discharge due to my XXXX. I was informed of what papers i needed to send them from the SSA to receive a determination. I received the papers and emailed them in XX/XX/XXXX. I also mailed them. I received a email saying they received them. In XX/XX/XXXX i get a notice that they needed the papers from SSA. I called and the customer service agent was very rude. Saying i had to send in the papers, would not let me explain that i sent them. So i emailed them again. I received a notice that they received them. I also sent copies by mail and sent them by certified mail. I have the receipt signed. Today i get a notice saying my request was denied bcz they never received the papers. What do i do?
Product: Credit card or prepaid card

The American Express Serve claim to offer cash back, & after redemption the system takes back more money than they offered! On XX/XX/18 the system offered {$2.00} cash back and the account already had fund in the available balance. Then on XX/XX/18, the account went up and down consistently for 72 hours! Going from a {$3.00} balance to a - {$2.00}. After being negative it went back to a positive {$.00}, and the back to negative! The balance was changing without fees, transactions and no pending transactions either! Called in to address system mistakes, and the supervisor " XXXX XXXX '' expressed he seen the discrepancies. This is after I provided all of the dates, times, & amounts in regards so it was basically me holding his hand throughout. While sitting in the phone for a two hour hold, XXXX expressed he was getting help from another supervisor and wanted to place me on hold again! The last hold was longer because he was clearly at a loss, & hung up the phone because I don't have another 2 hours to spear. Just called back " again '' and the escalating team refused to file complaints, and did admitted to this system issue. They refused to give me a timeline for a resolution and this is the customer service they are charging me for. The so called " escalation '' CSR refused to give names, use Id 's and neglect to acknowledge this has been a on going issue after pointing out other occurrences. Just a we're so sorry, over and over! Never cussed or yelled at anyone, because I work in a call center as well. Once most agents noticed the discrepancies, they hung up in my face so this totaled about 10+ calls. This ordeal took a full day and they still neglected to address/resolve the issue. Since these call centers are located over sea ; they have no regulations. American Express is based within the U.S and should held to our guidelines no matter where the call center is based. The neglect has been ongoing and it is time to hold them accountable ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been through extreme financial hardship last year to include almost being evicted from my home, and when I contacted Santander Consumer they graciously helped me resolve my missed payments by granting me a deferment on my loan and now I am current and have been since my new job in XX/XX/XXXX. The deferremnt moved all of the missed payments to the end of the loan with anew maturity date thus making me current. I was assured that this would take full effect and that my credit would not be jeopardized as I was now current. I have disputed the late payments that are reporting on my credit with Santander on several occasions with credit bureaus to all come back verified by Santander. How is this accurate if my payments were actually deferred per my signed agreements? These inaccurate late payments have decimated my credit worthiness and have hindered the improvement I am making in paying my bills on time.I am forever thankful to Santander for extending the deferment to me and would like for them to remove the inaccurate reporting of the lates I have on my credit. The lates are as follows : XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late
Product: Credit reporting or other personal consumer reports

A. ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( The above named below I did authorize. I just do not understand why it showing up twice as a hard inquiry. I did receive financing from XXXX XXXX XXXX. I am in the belief it should be considered as a single inquiry instead of XXXX. ) XXXX. ) XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX & XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020 I sent my friend XXXX XXXX three translations through CashApp A ) {$1400.00}, B ) {$1400.00} and C ) {$1400.00}. CashApp confirmed XXXX receiving all three translations. XXXX confirmed receiving A and B transactions. I requested a refund for transaction C and I havent received any refund. I then contacted CashApp support requesting help on my refund and was informed that XXXX would need to contact CashApp support and ask for assistance in locating transaction C. XXXX contacted CashApp support several times. He was informed that CashApp is unable to locate transaction C for him to contact me and verify I sent transaction C. My credit union and CashApp confirmed all three transactions, while telling XXXX they can only confirm transactions A and B. It appears to me they are trying to run the 30 day clock out and then possibly say its been 30days nothing they can do. I have all the corespondents from CashApp support that have been sent to XXXX and I. I just want transaction C refunded. Dealing with CashApp support via email has been frustrating. Their first paragraph of their reply always sounds helpful its the rest of the communication is total XXXX.