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

I deposited my financial aid reimbursement check, {$1300.00} onXX/XX/XXXX into my recently opened Capital One 360 account via their mobile application. The check was written out and sent to me onXX/XX/XXXX 
OnXX/XX/XXXXI get an email stating that I need to call CapitalOne360 to verify my recent account activities and that I had 10 business days to do so. That afternoon I call in and get through to their " security '' team. I was informed that there will be a hold on my account and was questioned about the check and if there was something wrong with it. I was unsure as to why or if there was a problem with the check. I told him I would have to get back to him on it. 
I called the financial aid advisors at my school and the institution ( Bank Mobile ) that they used to write out the checks. The college said they already sent the money to Bank Mobile and Bank Mobile said the check was cashed and processed. 
With this information, I tried to contact the " security '' team again at capital one on two separate days. 
XX/XX/XXXX, I would call in and not be able to reach the " security '' team, instead I was told by some intermediate team that I could leave a message and the " security '' team would contact me within two business days. 

XX/XX/XXXX, I would go to a physical branch of CapitalOne and see if someone there could help me with my situation. I was told by the teller their that they had no power to do so and recommended me to call CapitalOne360 again and tell them I was in an actual branch. I did so, and only got through to their intermediate team again and told to leave a message. I told the women that I had doe so the previous week, how I did not get contacted within 2 business, and that I was in a physically branch. She said she could n't help me anymore, and that I could either leave a message again or she could send an email to them and that I would get contacted within 24 hours. With no other options, I requested the email be sent. 
Later that day at home, I would shoot one more call at CapitalOne360 to get a definitive answer. This time a guy answers from the intermediate team, and he tells me that ( according to his limited notes from the " security '' team ) that, 1, account was placed on hold by the security team and he had no power in that action. 2, business relation is ending after everything is set and done. Once the check goes through, they would transfer that money to my account in another institution. 3, my funds would no be accessible to me/withdraw able by me. In response I ask him, " so how do it get my funds withdraw able? '' He tells me that he does not see a set of action for me to do to get my funds withdraw able. I respond " So did you guys just take my financial aid and that 's it? '' I receive an unclear response and he reiterated the that, according to his notes, the hold on my account was determined by the security team.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I went to the XXXX XXXX XXXX XXXX CA Chase bank to cash a check. The teller told me they needed to charge me a {$10.00} fee because my profile with Chase has a credit card which is in Charge-off status. They told me this in a voice where my neighbor who was in line behind me could hear. After fighting with the teller who was then joined by two other tellers, I was told the manager was in a meeting and could not come to the counter, I was finally given the complete account number for the account in question. I researched the account in my XXXX then located the paper statements in my hard-copy file ; the account turned out to have only been open for three months in early 2015. All payments were made on-time and the final statement balance was a credit of {$120.00}. I have never had an account in charge-off status my entire life. 

Chase is attempting to defraud me by charging fees to cash checks because they have erroneous and derogatory information about me their system. I have now spoke with four different departments at Chase bank and no one seems to know how to fix the erroneous information about me in the Chase system.

It is not right I have to pay a fee to cash a check at Chase bank when I have two existing accounts with Chase, but because of some erroneous information in their system, which no one seems to be able to fix, I am being targeted to pay extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Ive deposited cash in an ATM of Bank of America- to be able to pay my bills and to have funds for a vacation for my XXXX  birthday that we were just about to leave. I have deposited {$2800.00} and the ATM glitched and took all my money without registering it. I have opened my bank mobile app and I saw a couple of minutes after that only {$600.00} were registered there. I got into the bank branch and asked for the managers assistance. He got out and told me to just call the bank number on the ATM and explain the situation, and they shouldve been able to help me out. I wanted to call the police but since I was about to miss my plane he advised me not to and to just fix the situation over the phone. And heres how the nightmare started. For a total of three days I have been redirected from one phone number to another, from one department to another, being mistreated and humiliated. It turned out I had to submit a claim and they will investigate for a total of 14 business days. Fourteen business days are half a month, so I have to spend half a month deprived from my money, being unable to pay my hotel and vacation and not being able to buy my XXXX flowers and a gift for her birthday which is today. My rent is due today and I hav written my landlord a check - a check that will be bounced back, that comes at a financial cost - theres a fee for a bounced check, not to mention my reputation and psychological harm. How should I explain to my landlord what happened and why should he care about this? ATMs are open every night to get the deposited money in them, so they knew on the first day that there were more money than there should have been. What is a 14 day investigation? Is this a murder case, what are they investigating? If I take money from a bank, I have been charged interest - who is gon na pay me interest for taking and keeping my money, that Ive been working hard for? I have been so mistreated, neglected, and humiliated I have no words to express this. Since the moment Ive opened the account, every check Ive deposited have been held for more time that promised - leaving me in a million of embarrassing situations but this was the last nail in my coffin. 
Please help me out cause my rights have been violated, and I have no one to address this to. Im at the mercy of Bank of America, they hang up the phone to me and I feel like a beggar.
Product: Debt collection

XX/XX/XXXX CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, To : The Office of Registered Agent for CREDIT MANAGEMENT LP From : XXXX XXXX Regarding : Unauthorized Administration of the XXXXXXXX XXXX XXXXXXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 





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

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.
Product: Debt collection

A destiny credit card was opened in my name and someone used the credit card in XXXX XXXX XXXXXXXX XX/XX/year>. I have never been to XXXX before I dont understand how this couldve happened
Product: Mortgage

Loan depot misled me into thinking it was doing a soft credit pull, but actually ran a hard pull.
Product: Credit reporting or other personal consumer reports

Equifax 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 unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax 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 Equifax inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Between XX/XX/22 and XX/XX/22 I was charged 4 NSF and overdraft fees by Vystar credit Union. They refunded one, but refused to refund any more.
Product: Vehicle loan or lease

There are actually a few issues here, one the illegal practices this company uses to collect a payment i.e spamming me outside of legal hours and more than the legal amount and using threats as well as aggressive behavior to try to collect a debt which is illegal in the state of Texas. 

The company has also added a mass of fees onto my account which isn't correct, the original loan agreement was around XXXX including tags title and interest that was on everything I originally signed for the car. The debtor now states the whole amount was XXXX which isn't right at all. 

Debtor has hung up on me, doesn't answer customer support calls or have voice mail service or respond or have valid email contact adding to late fee 's and issues. Extra fee 's were never voiced to me nor did I agree to any additional fee 's outside of the base of what I owe. 

online login doesn't work, advised this to debtor several times however they never fixed the issue, there is also no option to split payments through the site if you are 1 day late or 2 it would make it 2 car payments rather than just being able to pay one off and paying the 2nd off when you are able to.

Debtor has made comments about my medical condition and fianc 's that was not at all legal or appropriate. If you review all of the review pages for debtor you will find many complaints about debtor adding fee 's to other people as well as customer reports against them through the XXXX   and other sources. 


As this company is exhibiting illegal collection practices and illegal billing practices this needs to be looked into further.
Product: Debt collection

Under Section 1681b : This company that is reporting on my credit report, that I never opened the account or signed any contract, the collection is reporting inaccurate information and that the account was not authorized by you. Under FCRA Section 807 ( 10 ), which includes the claim about their identity, pretending to be the original creditor when they are not, the collector misrepresents their role. Company is reporting incorrect payment status, past due amount, or any claims related to an unknown account status. Please investigate the matter and correct the information, or remove the account if it can not be verified. I request that you provide proof of the debt, including the original signed agreement and an explanation for the inaccurate payment history from date reported open XX/XX/year>. Company is also reporting different information amongst the credit bureaus.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ). Approximately XXXX XXXX, I received notification in my credit report an account in collections with XXXX  in the amount of {$430.00}. I contacted XXXX XXXX in person and spoke to one of the leasing consultants ( XXXX ) to get more information about this amount owed as I NEVER received notification or a statement of charges after moving out. On the day I spoke with XXXX, the office computers were down and she was not able to look up my account information but she informed me that she will look into it and get back to me. A follow up from leasing office never occurred. I phone the leasing office multiple times and left messages requesting a return call but all my calls and messages were ignored. Things were put on hold during the COVID-19 pandemic months as the leasing office was closed and re-opened on XX/XX/XXXX. I was finally able to speak to the property manager " XXXX '' who emailed me a copy of the Final account statement reflecting the charges on XX/XX/XXXX that include {$200.00} for repair vinyl flooring, {$75.00} for repair damaged blinds, and {$100.00} trash out of apartment. I am disputing these charges as the blinds were already damaged upon move in which is noted in the lease contract. In addition, the flooring damages were from existing mold in the apartments which the leasing office was already aware of. These charges were hidden from me for almost a year even though I requested in different occasions to provide a statement of charges so that I can not object the charges for repairs. As a result, these charges were forwarded to a collection agency FCO ( Fair Collections & OutsourcingXXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX ) and have negatively impacted my credit. I have attached a copy of the email I received the leasing office along with a copy of the certified mail receipt showing that I never received the certified mail. These charges are unfair and fraudulent in nature and I am requesting assistance to have these charges remove from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). I have contacted FCO to remove this amount from collections and to remove it from my credit report without any success.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Checking or savings account

I signed up for a HSBC checking account with a {$450.00} dollar bonus offer. I waited and completed all of their qualifying activities. I called to inquire about this and HSBC said I never signed up for the bonus. They took my hard earned money and defrauded me out of an offer. This bank is engaged in fraud and should be investigated for misleading customers. Their own system timed out when I was filling out the application. Then I filled it out again and was approved. They refused to honor my bonus because of their own technical issue and I had to put all my direct deposit on their account, but they never gave me the bonus I deserved. This bank gave the worst feeling I've had with an institution, I felt cheated.
Product: Credit reporting or other personal consumer reports

I financed a rebuilt title car with XXXX XXXX and then got totaled, and the insurance company paid out the value of the vehicle. It shows up on my credit report that it was charged off on XXXX XXXX, and I haven't received any 1099C form to support their claim.As far as the credit card companies, no one sent out a 1099C form. They already got the credit for the charge off account.
Product: Credit reporting or other personal consumer reports

Contacted the debt collector and asked for proof of the alleged debt specifically the original application bearing my signature. This account is not mine and I never gave XXXX XXXX XXXX any permission to use my nonpublic personal information. No goods, services, or money was obtained from this information. This is not a material misrepresentation of fact. This was not made in error. I am requesting an information block due to identity theft. This Company is fraudulently using my information without my knowledge. They have not been able to provide such proof to me therefore they are reporting misleading false accounts. Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. Please note my identity could have been stolen from anywhere including data breaches which could have resulted in someone creating the account with XXXXXXXX XXXX XXXX on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX  responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?