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

My friend XXXX XXXX is an authorized user on my XXXXapital One credit card account. On XX/XX/2021, XXXX XXXX daughter XXXX stole the card out of her wallet and at two different XXXX stores in XXXX, TX, charged 11 gift cards at {$500.00} each, for a total of {$5500.00}. 

I received NO alert either by text or email. This is despite the fact that : ( a ) Usually, an alert is sent for many simpler, lower and quite harmless charges ( b ) This activity is completely anomalous for our account XXXX : On XX/XX/XXXX, the daughter stole the replacement card, went back to XXXX, and charged {$200.00}, then tried to charge {$800.00}, but the charge was declined, and a notice sent to me by text and email. This is what should have happened in XXXX, but did not. 

After many hours speaking with Capital One 's Fraud Department, their answer comes down to : ( a ) Since it was a family member of an authorized user, the charges stay ( b ) The daughter can sign a form taking responsibility for the charges Answer ( b ) is a joke, of course - the daughter is completely unable to ever pay {$5500.00} in charges ; she is a disturbed person ( obviously ) ; moreover her mother is not anxious to press charges with the police, which is understandable. 

What the Bank has refused to do is recognize that it has ANY responsibility for the failure of its algorithm to pick up 11 charges in a row of {$500.00} each as in any way " irregular '' and perhaps subject to question - even tho on the other occasion I mentioned it immediately DID block the second attempted transaction and inform me. 

XXXX Supervisors have been entirely unhelpful. Any normal person can see that XXXX charges in quick succession of {$500.00} each on an account that had never had anything even vaguely close to activity of that nature SHOULD have elicited an immediate reaction by the computer algorithm. 

We should not be obliged to pay {$5500.00} because of the weakness of the computer system. The fact that the charges were transacted by a family member is irrelevant ; the charges themselves should have been declined and questioned after the first or second XXXX, no matter who had been holding the card. 

The XXXX XXXX XXXX Department is not helping me, despite the people as individuals being polite. We need to have the Bank remove all or most of these charges. I can not afford to carry the financial security of XXXX XXXX Bank, XXXX on my shoulders. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX - good also for texting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted more than  10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't e nough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year thoug h. Get S.S.I disability at this  adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Product: Checking or savings account

First, a job offer was accepted from indeed for an unnamed company ( red flag ). They contacted me about an job offer. The offer was great for a large sum of money. At this time the name they said they were was XXXX XXXX. The job offer was for XXXX XXXX XXXX  netting XXXX a year as an independent XXXX. XXXX XXXX was for two weeks paying {$2000.00} at the end of the two weeks. In the final task, I was required to do transfers from my account to theirs and vice versa under the vice escrow account/ company transfers etc. On XX/XX/XXXX I received {$3000.00} from OREGON XXXX XXXX XXXX, XX/XX/XXXX RECEIVED {$2800.00}, on XX/XX/XXXX WITHDRAWAL WAS MADE FOR {$2800.00}, on XX/XX/XXXX WITHDRAWL WAS MADE FOR {$2600.00} into an old WELLSFARGO ACCOUNT. On XX/XX/XXXX i deposited the amounts into a XXXX  account. On XXXX after reading a XXXX XXXX, I closed my account with WELLSFARGO noting the mistake advised to block all future transfers, and XXXX also blocked me from all communication, and I never did receive my {$2000.00} from them. On XX/XX/XXXX, I noted a pending transaction from an attempt to pull {$3000.00} and {$2800.00} in which I called WELLS FARGO and confirmed it was unauthorized, and to not allow those transfers to go through to the new bank checking account. WELLS FARGO confirmed in writing that the transfer was unauthorized and told me by phone, it would not affect the new account. Then, On XXXX, the transfers finalized and drained my entire account prompting overdraft fees and the account to go negative. On the same day, a claim was placed on the unauthorized transaction. WELLSFARGO blamed me denied refund of funds, denied any blame, and then proceeded to advise me to take out a loan to cover the negative funds. I then went to do a police report to report the crime and opened a new account with another bank in the meantime. I have all documentation to show the negligence of WELLSFARGO who has suggested i contact XXXX or the XXXX  to politely ask the scammers to stop draining my bank account. This negligence of WELLSFARGO is demeaning and has prompted me to seek legal help for potential arbitration against WELLSFARGO 's undue diligence. DO NOT TRUST XXXX XXXX ; IF THE JOB OFFER SEEMS FISHY OR TOO GOOD TO BE TRUE< LOOK ELSEWHERE.
Product: Vehicle loan or lease

I had a loan for a travel trailer with US Bank. I paid the loan off early. I have requested a release of lien so I can register my trailer. I have called US Bank at least six times to request the document. The first time I called I was advised I would have to wait twenty six working days to get the document. It has been over 90 working days and over five phones calls and I still have not received it. US Bank is refusing to send me the the release of lien. This has been going on over 3 months which is totally unacceptable. XXXX  has my title but will not let me register the vehicle without the release of lien. XXXX stated that banks normally fax the release of lien to them, I called the bank from the XXXX  office twice and they refused to fax it.
Product: Credit card

I charged on my credit card a trip to XXXX that was then cancelled. This was done on my XXXX XXXX. When the money was reimbursed to me the money was mistakenly sent to a loan company called AFFIRM. When I inquired of AFFIRM as to where my money is and to send it back to my account they basically said that they have no idea as to what I am talking about and said that they are done with my inquiry. The address of the company is as follows : AFFIRM, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount in question is {$1200.00}. The date is XX/XX/year>. 

They simpl refuse to send me the money that was supposed to be sent to my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Chase Bank regarding their failure to provide written confirmation of a verbal agreement to enter into arbitration proceedings. On XXXX XXXX, 2025, I spoke with a Chase representative named XXXX with extension XXXX. During this conversation, XXXX verbally agreed that Chase would be willing to participate in arbitration to resolve an outstanding dispute between us. I was provided the reference number XXXX for this call. 
However, despite my multiple requests, Chase has refused to provide me with a written letter or document confirming this agreement to enter into arbitration. I have made good faith efforts to obtain this written confirmation from Chase, but they have not upheld their verbal commitment. This is preventing me from being able to initiate the agreed upon arbitration process. 
I had previously filed a complaint with the CFPB regarding this matter ( complaint # XXXX ), but it appears that case has now been closed. I am therefore submitting this new complaint to seek the CFPB XXXX  assistance in resolving this issue with Chase. I am requesting that the CFPB intervene and work with chase to provide me with written confirmation of their agreement to enter into arbitration proceedings. 
Sincerely XXXX XXXX XXXX
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  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. The XXXX account is reporting I have one late payment on an account that is 30 days late in XXXX. The consumer reporting agencies need to report all information with complete accuracy. This account was not late 30 or more in XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/2024. I'm now requesting you investigate and provide verifiable proof with records showing that I had a late payment for the month of XXXX. If this information can not be verified I demand this account to be completely removed. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies ( CRAs ) and information providers to correct inaccurate or incomplete information in consumer credit reports. The FCRA also requires companies to remove unverified information from consumer reports if they are unable to determine if the information is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XX/XX/XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX  XXXX , should not appear on my credit report. Starting in the spring of XX/XX/XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, TransUnion, and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX, and the hit to my credit was not removed.
Product: Mortgage

On XX/XX/XXXX my account was for XXXX where my normal payment is XXXX. I didn't remember seeing this change in a statement for my XXXX payment and since it is on auto-draft. However on my statement for XXXX due be due XX/XX/XXXX it shows the same amount to be drafted with {$650.00} due for principle and interest. My contract for this loan says that my principle and interest payment is to be {$620.00} according to a loan modification completed in XXXX of XXXX. This is a difference of almost {$33.00}. I spoke with the company on XX/XX/XXXX about this issue and they were going to be fixing it and applying the difference to principle. However during the conversation with two different employees the both mentioned my loan being an ARM which this loan is not supposed to be an ARM but a 25 year fixed rate VA mortgage. 

My statement also says that my interest rate is until XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a credit inquiry for the Bank of America on XX/XX/2022. I dont know why they looked at my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter from XXXX XXXX a Notice of XXXX XXXX of my personal information. The following transaction information listed on my XXXX File Report Tracking Number : XXXX is not my transaction information and is the result of the data breach and identity theft : XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XX/XX/2023, XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

XXXX in the amount of XXXX the company name is mrs. BPO llc.

I spoke to them trying to get it removed because they had the wrong address and I never dealt with this company at all. I called the original debtor they have no records of me at all. The original debtor is XXXX XXXX  Please remove from all credit reporting agencies. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating that a new account loan was open in my name which I never opened. For {$500.00} for 24 months. What in the world is that?!?!? I want this fixed right now! This is a very big problem and now I don't feel safe or secure. I want this fixed. The correct way. This is ridiculous I am so upset right now. Unreal-
Product: Credit reporting or other personal consumer reports

To whom i may concern. XXXX XXXX  has not reported to Equifax since XXXX. However on the other hand Equifax is blaming XXXX XXXX for the information. I have since made calls on XX/XX/year> to Equifax and calls to XXXX XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is referencing another persons name on my credit report. XXXX is reporting a family member XXXX XXXX on my credit report as seen in the attachment. This has never been validated and its illegal for them to list another person on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX  account for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card

I have a CareCredit account with Synchrony bank. called to pay my account in XX/XX/XXXX fotr the balance on my deffered interest charges. they were not willing to work with me, after numbers of calls i stop payments so they called me by then they had already charched all accumulated interest on the card. I set payments for them to withdraw payments from my personal checking account. I not only have to pay the highest interest on the cards but now that I would want to pay another deferred interest charge on the same account they would not speak with me, because i said that i consulted a financial advisor that also serves a a lawyer for my financial issues. they ask me to call another department that they are not able to tell me who they are. I asked why are they giving my personal information to some one that they can even tell me who they are? All no where in my disclaimer or card notice it says that i am not able to contact a finacial lawyer for my personal finances. i have not receive a call from them and the number i call does not have a business name then you call, goes to a personalized voice mail. mypromotional deferred interest is expiring and they are not willing to take my calls because i mention that i spoke to a financial advisor lawyer in regards to my credit.. they have giving my peersonal information to an identety that they are not able to tell me who they are??
Product: Credit reporting, credit repair services, or other personal consumer reports

ACS, the student loan company is reporting my loan as past due for the months of XX/XX/XXXX and again for XX/XX/XXXX. Payments for both months were made in a manner that would ensure the payments would be made before their 2 to 3 day processing period. The payments, however, were never posted and the student loan company proceeded by reporting me and damaging my perfect credit standing. Calls to the company go unanswered and my credit disputes are never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Florida XXXX XXXX out of XXXX, FL. While I paid the account late a number of times it was never over 30 days late. The very last payment ... a partial payment ... was credited 33 days late. The account, on the Equifax bureau shows XXXX late payments for the entire history of the loan which was paid off in XXXX, XXXX and has a XXXX  balance. However, the loan itself still reads as an XXXX rather than an XXXX which is adversely affecting my credit by XXXX points. On a 48 month loan that only had the last partial payment over 30 days the entire account should not forever have the status of " Pays XXXX days late ''. 

I contacted the Florida XXXX XXXX and was told by an assistant branch XXXX that the problem would be resolved and they would correct the report to the bureau. They have done nothing whatsoever to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. 

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

I did not give any written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you declined to block the information I have provided. I sent a complaint on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX. I am including it again. 

XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my XXXX, EXPERIAN, & XXXX credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.