23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Capital One Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from Capital One after sending opt-out letters on both XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023. 
Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 
As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to Capital One. This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information. 
I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that Capital One takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 
**Compensatory Damages : ** In the event that Capital One willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that Capital One pays a minimum of {$1000.00} for every offense of willful non-compliance. 
The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 
I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure Capital One complies with federal regulations. 
Sincerely, XXXX XXXX
Product: Student loan

Beginning in XXXX, Navient cancelled a reduced rate discount on my account. I contacted XXXXOmbudsman to outline the facts, provide proof. Navient is wrong & intractable ( denies facts ). 

Since then I became unemployed & have filed Unemployment & Hardship Deferments, as well as a complaint letter to Navient & a form to consolidate all loans. Navient delays processing these items, is obscure about the process, & maintains a website that is difficult to navigate. 

I 'd like all benefits restored, all obligations bundled into one, & loan conditions and schedule that I can afford.
Product: Debt collection

XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

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

On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX, with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my credit.
Product: Credit reporting or other personal consumer reports

Can't stress enough that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Student loan

Sallie Mae keeps harassing my home and family, stop calling and emailing my family members and being annoying
Product: Credit reporting, credit repair services, or other personal consumer reports

I been dealing with a issue with Experian Report Number XXXX Date Generated : XX/XX/2021 back in XXXX I paid off my car loan with XXXX XXXX XXXX Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect & also the account says charge off account which that's incorrect. XXXX XXXX sent me a letter that's says the car is paid in full not, Account paid in full for less than full balance which that on my Experian report i can not get a car loan with this incorrect accounts that on my credit report. i have all my letter from XXXX XXXX its not making any sense why this showing a charge-off or paid for a less amount XXXX XXXX agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my credit file Experian is the only company that have this account show as a bad account this is so wrong i never miss a payment with this company i call Experian about his issue so many times & Experian will not fix this account show as a good account & paid & full & the miss payment also incorrect. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan but on my Experian credit file say {$17000.00} that's not right at all. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 

15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD ... ...
Product: Checking or savings account

Wed, XXXX XXXX 2023 at XXXX pm I received an email from my bank ( Navy Federal Credit Union ) stating that they have received my request authorizing a one-time electronic funds transfer from my Navy Federal EveryDay Checking account : XXXX to XXXX XXXX XXXX XXXX XXXX checking XXXX XXXX in the amount of {$5000.00} Date to transfer XX/XX/2023. The online transaction listed the name XXXX XXXX XXXX. 
Thu, XX/XX/2023 at approximately XXXX XXXX I contacted Navy Feder Credit Union via phone to inform them that this was not my request, and that I believe this was FRAUD. They said they believed my account was " compromised '' in my term it was hacked. I followed all of their instructions to close my existing checking and savings accounts, open new ones and change all of my account usernames and passwords, including my personal email. 
Since then I have received " XXXX '' information from them confirming I reported this FRAUD. I called in on Sunday, XX/XX/2023 around XXXX XXXX XXXX and after being on hold for a very long time and transferred three different times, I found someone who provided me with a REPORT FRAUD letter noting a Confirmation Number. Which basically disclosed to me that I would go to jail if they deemed my report of this FRAUD to be incorrect. 
Today Tuesday, XX/XX/2023 at XXXX am PT I received an email titled Brochure/Form Request. This e-mail thanked me for allowing them to assist me today, and stated the Form ( s ) and/or brochure ( s ) I requested can be located by clicking the following link. This led me to a Navy Federal Credit Union Declaration of Forgery/Fraud form 2 pages of information I must supply to them although I have no idea what information is required here. It instructs me that the entire form must be completed and returned to Nave Federal in order for this claim to be processed. It also asks me to provide any documentation relating to the claim ( e.g., police report, original forged documents ). 
I will now have to go to a Navy Federal Credit Union local Branch to figure out how I fill out this form as the information it requests is in bank speak and I have no idea what these terms mean. 
I need my {$5000.00} back or I will be unable to provide for myself, and my expense obligations ( rent, food, power, etc ). 
Why aren't they addressing this with me? They mentioned it could take 90-120 days to complete their " investigation '', however it appears to me that they have done absolutely nothing at all to recoup my lost funds from XXXX XXXX XXXX which should have been stopped and reversed that next day! 
So frustrated and worried. Please help me understand this procedure if you can.
Product: Credit reporting or other personal consumer reports

I explained ti transunion there were fraudulent inquiries and accounts being reported in my consumer report. I provided an identity theft report and requested block and removal for these fraudulent accounts. Transunion has failed to block and remove these accounts according to the FCRA and various consumer protection laws pertaining to identity theft.accounts associated to identity theft are listed below and have been removed by both XXXX and XXXX. 

Accounts : XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with a service, PayPal, and they have continued to harrass me via emails. I have called twice to close my account and visited their web site to make two more attempts to close this account. I've had this account for three years and until about six months ago was satisfied with their service. They have become too big to provide the service they were providing some time ago. The process to dispute a charge has become very difficult and requires going through multiple pages and many questions. It has become far more simple to just dispute a charge by going directly to the issuer and avoiding PayPal. I have asked that my account be closed and as I said above I have tried everything that is recommended to close an account and as yet have not been able to get the account closed. I continue to receive emails both promoting their service and instructions on how to close my account. I've followed the instructions I've received twice along with two phone calls attempting to close the account. Now I starting to feel as if they are harassing me as I continue to receive unwanted emails.
Product: Credit card or prepaid card

On XX/XX/2023 my capital one secured card was closed. it is now XX/XX/2023 and I am still waiting for my secured deposit refund. I paid capital one off instantly as soon as they closed my account I expect my funds to be sent to me in a timely manner. 90 days is not a timely manner and I need the funds to cover other credit card balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a job at XXXX and they recently pulled a Motor Vehicle Report on me which I have approved of. The report is stating my licence was revoked/suspended. Neither one is true. I XXXX XXXX to XXXX from XXXX back in 2014. My vehicle was in transit by a boat through the military. When I got to XXXX I was told I had to drop XXXX insurance and get XXXX plates and insurance. I remained with XXXX XXXX XXXX the whole time. I am not sure why this is being reported. It is very inaccurate information and this inaccurate information could cause me to not get a job I am currently seeking.
Product: Credit reporting or other personal consumer reports

In accordance with federal consumer protection laws, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) have been violated. Below is a summary of the relevant statutes and the issues at hand : XXXX. Violation of FCRA ( 15 U.S.C. 1681, Section 602 ) : The FCRA emphasizes the need for accuracy, fairness, and respect for consumer privacy in the collection and use of credit information. This includes my right to privacy concerning the disclosure and use of my credit information. 
XXXX. Violation of FCRA ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : Consumer reporting agencies are prohibited from furnishing a consumer report without my written consent, except under specific permissible purposes as outlined in the statute. I did not provide such written instructions in this case. 
XXXX. Violation of TILA ( 15 U.S.C. 1666b ) : Creditors are prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date or within any applicable grace period. 

I request an immediate investigation into these violations and corrective action to address the impact on my credit and account. Please confirm receipt of this communication and provide a timeline for your response.
Product: Debt collection

I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021I received 26 calls around the XXXX XXXX  hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.
Product: Checking or savings account

Bank of America closed all my accounts today with no notice and is now withholding my funds. My paycheck, my savings, all of my money. 

On XX/XX/year> I logged into my account and saw a message that my accounts were restricted. I immediately called the bank and was on hold for an hour and a half and never reached a representatives because the offices by that point had closed. 

I called the next morning and was again on hold for a total of XXXX hours. I walked to the branch and demanded to speak to a XXXX. After providing my valid passport and verifying my identity he proceeded to tell me he had no idea what happened. He informed me that my money was frozen and under no circumstance could I even withdraw a {$1.00}. Not {$1.00} even though my direct deposit from my employer had just cleared. I have bills to pay and mouths to feed and now I have no money until they complete an investigation which they told me could go on for weeks, but couldnt give me a time frame when I can expect access to my money. This is unacceptable and I want them held responsible for this. I have a physical condition that has gotten significantly worse because of this stressful situation. I have no means for my daily essentials, can not pay my bills and am destitute indefinitely until they decide to get back to me. This is unacceptable and I will be seeking legal action and will sue for punitive damages. I received no notice, no email, no letter and no phone call notifying me of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case no : -Incorrect reporting on credit file. 

This is with reference to my XXXX credit card -Act. # XXXX and also with reference to last four digit card no XXXXi have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2019, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2019.but nothing happened after that Also the online payment facility was blocked and my direct payment didnt go through which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained concerning how I use my credit card and my score drops 55 points. I feel there is no transparency in how equifax, XXXX  or XXXX  conduct there business. It is discriminatory, abusive and should be illegal. They raise scores incremintly and very slowly over time and then penalize consumers for using credit.
Product: Debt collection

On XXXX XXXX I called the Creditor which is Victoria Secret also listed as Commenity Bank in regards to the account that was closed last year but was still being reported as opened and late on my credit report XXXX  under XXXX different amounts one for XXXX dollars and the other for XXXX dollars. Victoria secret agent informed me that even though the account had been closed by me do to fraud that it was still being charged because of the insurance that was on the account when it was first opened. I told her I dont have insurance on my card and never needed it since it was a small limit. She told me to call Account XXXX who does the insurance for all XXXX XXXX Bank accounts. I called and spoke with a supervisor after waiting over XXXX minutes to be transferred. The supervisor got on the phone and told me to contact the Credit Bureaus directly. I contacted the XXXX Credit Bureaus and was told that they only report what is reported to them by the Creditor. So I called back Victoria Secret and told them what the Credit Bureau said and they told me to dispute it with Credit Bureaus and the Credit Bureau would reach out to them and they would respond. So I tell her why do I need to do all of that for something that was reported by them that I was not aware of nor did I authorize it. She said that is how we do it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act XXXX XXXX ). Spellically, Cash App falls to XXXX  timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actior have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This is an ongoing predatory Wells Fargo strategy that likely impact hundreds or thousands of customers. I have reached out in the past to complain about the bank practice or applying overdraft debits BEFORE applying deposit credits to low balance accounts. When a customer notices an account is overdraft or about to overdraft and makes a deposit to avoid this Wells Fargo even for linked internal Wells Fargo accounts where transfers are made electronically and therefore should happen in real-time the bank applies their overdraft fee as a debit FIRST before the deposit/transfer ... Further overdrawing the account rather than FIRST applying the the deposit credit made by the account holder. In every case had the deposit debit been applied first the account would NOT overdraw the instance I am referring to occurred over the weekend XX/XX/2019 rather than DECLINING a transaction that would overdraw the account the bank accepted and processed it. when I discovered on XX/XX/2019 I made an electronic transfer from one Wells Fargo checking account to another. theoretically this should be immediate and real time as it is all digital and the accounts are internal and connected.On Saturday at the minute I made a {$90.00} transfer the account corrected from showing an {$88.00} over draft to showing a {$2.00} balance. However Wells Fargo then instead of applying the transfer in instant realtime held the transfer as " pending '' until Monday XX/XX/2019 and only applied AFTER they had added a {$35.00} overdraft fee debit, coincidentally also on XX/XX/2019. rather than my electronic transfer than my {$90.00} transfer resulting in a {$2.00} positive account balance my account ended up at a NEGATIVE {$33.00} by result of Wells applying their {$35.00} late fee before applying my {$90.00} transfer When I complained to the bank about this before I pointed out that as a best practice XXXX XXXX XXXX ALWAYS applies credits BEFORE debits. The response was " we can't speak for or address what other banks are doing. '' This experience is not isolated solely to me and it is a predatory practice and predatory source of revenue for the bank
Product: Debt collection

Made final payment on two separate accounts with Midland Credit Management. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers
Product: Checking or savings account

American Express decided to close my account due to a dispute I put in there was a large amount of {$220.00} pending in my transaction I had no knowledge of the charge thats the reason for my dispute they canceled out my old debt card and sent me a new card number and insured everything is good to wait 10 business days for the investigation they let 10 days go by I called them XX/XX/XXXX I was told to wait Monday a extra business day Im in a very emotional stated of mind due to how I was being treated they sent me a email yesterday declined the dispute also closed my account I also found out from someone in my household they used my card with out my permission they apologize and agreed to work it out I am legally XXXX I have documents to prove i need someone around to assist me living daily activities, I called several time and got rudely unprofessional customer service behavior I explained the situation that was told to me from someone who was assisting me that lived with me. I was sent a email saying I violated terms I dont understand I havent committed a crime or any fraudulent activity I had no knowledge about the transaction. I had money inside my account they closed i have a XXXX XXXX  XXXX  child who is due for his medication this coming Thursday the medication is to prevent him from having XXXX without his medication he can got in a episode. Also I have plane tickets for next week along with hotel stays I was supposed to be traveling to Florida for my grandfathers funeral due to the situation it looks like I wont be there my direct deposit is scheduled to come this week from Social Security in the next two days it will not have access this companys behavior is harsh inconsiderate and rude I explain my whole situation to them and what happened also wrote a letter because the customer service representative stated that thats the only way my account will be opened up and then I called back again she said they will not open it is permanently terminated Now every time that I do call I get hung up they act like the call has dropped so I stop calling