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

I have a Capital One, 360 XXXX  account. I have had security concerns for about a year regarding why the online security settings could be changed without me changing them because this is an individual account. Recently I made XXXX Capital One, credit card payments. What occurred was a total of XXXX payments were debited from my checking account. I made a {$200.00} credit card payment to my son 's credit card. There was also a {$250.00} payment applied to my son 's credit card that was withdrawn from my checking account causing a negative balance. I contacted Capital One, requesting the {$250.00} payment be applied back to my checking account. I was informed that a dispute would have to be created, but the funds would be applied back to my account. I received an notice from Capital One, regarding their investigation that they claim I authorized the {$250.00} to be applied to my son 's credit card and I also authorized a electronic payment for {$250.00} to a XXXX XXXX XXXX, routing number XXXX, XXXX account # ending in XXXX, showing XXXX XXXX # XXXX, XXXX XXXX # XXXX, dated XX/XX/2022. I did not authorize any external payment of any kind and I do not nor does my son have any banking relationship with XXXX XXXX Bank. It shows proof of electronic payment - case ID : XXXX. I also received another notice informing me that on XX/XX/2022 a transaction for {$6.00} was declined due to my checking account has a negative balance. I did not attempt to make any purchase from my Capital One, checking account on XX/XX/2022 for {$6.00}. I knew their was a problem with my checking account that I was attempting to resolve the issue and did not use the account under any circumstances. I would never consider having funds debited from my account knowing it's in the negative {$150.00}.
Product: Debt collection

I received a notice of collections from Capital Accounts on about XXXX/XXXX/17 for an old medical bill. In that short time between then and noe XXXX/XXXX/17, I 've received phone calls from them looking to collect. I asked them on the 2nd phone call that I plan on disputing the bill and to not call during my work hours any longer. The woman on the phone then took an abusive tone, declared that she 'll note that I refuse to pay the bill and hung up without any further clarification. While, she did n't make any direct threats, she seemed to imply they 'll take legal action against me or to hurt my credit by FALSLY claiming that I refused to pay the bill, even though I still have 30 days to send my written dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with trasnunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation from XXXX dated XXXX XXXX subsequently XXXX has removed this bankruptcy from there record outline by the Fair Credit Reporting Act. To the present. Experian still Certified that this information from XXXX is accurate and it remains on my credit report preventing me to obtain any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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
Product: Credit card or prepaid card

Claim for interrupted travel sent in and rejected. Resubmitted claim with appeals letter and additional documentation 4 additional times with the case number and appeal noted in the subject line. I received a confirmation email after each one. No one has ever contacted me so I called again and waited for 2 hrs on hold. Documentation was not received per the associate I spoke to. Was told two different emails to send info to. Sent information to both emails and they are not received again. I am getting no where with Chase Benefits and this has been going on since XXXX. Not sure where to go next. Thank you XXXX XXXX
Product: Credit card

Citicard : I subscribed to paperless billing and pay out of my bank account. I provided CITI with bank info. They did not deduct amount due, then claimed I was late, charged a late fee and interest. I decided to close account and pay, but I think this may be a scam and want to report it. I never received a paper bill, although requesting it.
Product: Credit reporting or other personal consumer reports

This company continues to violate my consumer rights telling they verified and account but never tell me or show proof how.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint regarding the ongoing presence of fraudulent items on my credit report, as maintained by 3 Credit Bureaus. These fraudulent entries have had a detrimental impact on my financial standing and creditworthiness, and despite previous attempts to address this issue, they persist on my report. 
I have attached copies of supporting documents, including [ attach copies of any evidence you have, such as identity theft reports, dispute correspondence, and any other relevant documentation ]. These documents substantiate my claims and demonstrate that I have taken appropriate actions to address the fraudulent activities associated with my credit report. 

I have previously initiated disputes regarding these fraudulent items through your bureau, and I have provided all necessary documentation to support the legitimacy of my claims. However, to my disappointment, these items continue to negatively impact my credit score and financial well-being. 

I kindly request that you take immediate and comprehensive action to rectify this situation. Specifically, I request the following : Thoroughly investigate the fraudulent items listed on my credit report, verifying their authenticity and ensuring they are removed promptly. 

Provide me with written confirmation of the removal of these fraudulent items from my credit report within exact timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of such fraudulent entries on my credit report in the future. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the importance of maintaining accurate and reliable credit reports and the potential consequences of fraudulent activities on my financial life. Therefore, I request your utmost attention and expeditious handling of this matter. 

I expect a response to this letter within exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and report this matter to relevant regulatory authorities. I am asking for your assistance to remove the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}.
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 :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/XXXXAccount Name : XX/XX/XXXXAccount Number :XX/XX/XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : 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: Debt collection

XXXX XXXX have charged and billed me for phones I ordered online but never received. Ive made police reports and XXXX XXXXXXXX claims as requested by their fraud department when the incident initially occurred. Ive also submitted claims to XXXX online as well. An unknown signature and no identification was shown when delivered as stated by the XXXX XXXX customer service representative.
Product: Checking or savings account

My fianc transferred money via XXXX on XX/XX/07 as he does every Friday for the last 4 years to pay bills sometimes for the same amount of larger. The money is always transfer within minutes. 

He received an email that the money was received and I also received a text message as I always do. 

However, when I check the money was not on my account. I contacted Bank of America and they said that theres a delayed for some reason and it could take up to 5 business days. They couldnt tell me the reason.

I contacted XXXX  and they said that the only reason why a transaction would be pending is if a the beneficiary was not subscribed or is a new users. As mentioned we have been using this service for years. 

I called BoA and they said that there was nothing that they can do and I just needed to wait and use my savings in the meantime. 

Please help! I need to pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX ESQ.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX  XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$350.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$480.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$630.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

XXXX XXXXXXXX is reporting that My account is open and showing me late on Payments. The Account is closed and has been Sold to The Offices of Credit Management , LP  XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Reference number with Credit Management is # XXXX. 

I have asked for Documents regarding this account and they have refused to send me anything. 

I am willing to clear this up and make payment arrangements, however this does not seem legit.
Product: Credit card

In XX/XX/year>2024, I went into my online account for XXXX XXXX through Commenity Bank. On XX/XX/XXXX, I paid the full balance on my account which was {$44.00} and was due by XX/XX/scrub> 2024. On XX/XX/XXXX, when the billing cycle was closed, I was charged {$2.00} minimum interest fee. I did not receive a new statement after this, and I didnt look at my account online because I was expecting a {$0.00} balance on account. On XX/XX/XXXX I was charged {$2.00} late fee, on XX/XX/XXXX I was charged a {$2.00} minimum interest. Again I had not received a new statement and did not look online at my account, expecting it to have a {$0.00} balance. When I called the company, they stated they could not talk to me about account because it was past due and transferred me to another group at Commenity Bank, which would not answer the phone or I was on hold for an hour. XX/XX/XXXX, I was changed a late fee of {$6.00}, XX/XX/XXXX I was charged another {$2.00} minimum interest, on XX/XX/XXXX I was charged a {$14.00} late fee and on XX/XX/XXXX I was charged another {$2.00} minimum interest. I sent a letter in XXXX explaining my concerns, still had not received a new statement, but I had checked online and tried resolving the issue by phone. On XX/XX/XXXX I was charged a {$30.00} late fee, on XX/XX/XXXX I was charged another {$2.00} Minimum interest fee. On XX/XX/XXXX they did a refund of the {$30.00} late fee and a refund of {$0.00} for interest. I called again, this time I did speak to someone at Commenity Bank and explained my concerns. They explained that the full balance had to be paid for 2 consecutive months for minimum interest to not be charged. I stated I was willing to pay the original {$2.00}, charged after I paid the entire balance, but they refused to refund any more late fees or interest on account. I would be willing to pay the charges due, but not the entire balance of {$31.00} due on account. They refused again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX Inquiry Date XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Bank account or service

Sirs, I recently tried 2 make a cash deposit 2 my XXXX mother 's acctXXXXChase.She recently reopened her acct there & cash gets immediate credit.The teller refused my deposit.I explained my mother was ill & needed the funds & that I make regular cash deposits twice/mo 4 her maintenance.They still refused cash & offered no resolution other than 2 say I could either B on the acct or bring a check.Requiring I B on my mother 's acct. is an invasion of her privacy & a violation of her 4th Amend. rights via Chase 's commitment to the government. It is also discrimination against the poor and the elderly. I asked why Chase imposed this policy & was told it was due 2 money laundering. Implying that the average customer is suspected by Chase of criminal activity.I 'm a retired banker & know the regs. Currency Transaction Report ( CTR ) information is for $ XXXX & I was depositing $ XXXX.I asked 2 speak 2 the branch mgr & the lead teller lied 2 me stating she was the mgr.So, I went back 2 my credit union a 2nd time 4 an official check.My credit union provided me w/a business card asking that the Chase representative phone 2 verify funds so my elderly mother could receive immediate credit.A XXXX Chase branch refused to verify funds & put a hold on {$50.00} of the $ XXXX.His explanation was Chase 's commitment 2 the government.What about the Chase commitment 2 its customer base ; taxpayers who bailed Chase out & customers Chase still has not yet repaid? The Chase commitment 2 the government impacts millions of elderly around the country who R dependent on their adult children 2 subsidize their income.Why should those adult children also B required to invade their parent 's privacy to assist them? Additionally, Social Security has not had a cost of living increase in 3 years! My mother & XXXX other Chase customers R being adversely impacted by the unreasonable Chase policy which is NOT the regulation or law but is a result of their own lack of oversight regarding their own employees within their own company. I also live in CO ; XXXX state.If money laundering had been the case ; I can assure U the deposit would have well exceeded $ XXXX.I do n't appreciate the implication that my XXXX year old mother & I are criminals nor do I appreciate the absolute lack a good judgement & common sense in customer care.I have destroyed my Chase credit card and mailed it to CEO XXXX with this information and will be suggesting to my XXXX mother that she move her account. This is difficult because of her age and XXXX. This is not common sense banking nor good customer service NOR IS IT THE REGULATION OR LAW.
Product: Checking or savings account

I wrote a check to my landlord for {$1000.00} in both the legal and numeric lines. Chase proceeded to debit my account {$2000.00}, leaving me in the negative. When I called Chase to fix this issue, Chase transferred me six times, and none of the people I spoke with would credit my account immediately. They told me it would take at least one or two business days, leaving me with no money over the weekend. 

I attempted to escalate this several times but the last individual I spoke with told me it would be at least one or two business days before a manager would speak with me, and then ended the call. 

Chase took the route that is most convenient for themselves, while I am in a hardship they created, all because they dont know how to read a check correctly.
Product: Vehicle loan or lease

On XX/XX/20 paid an amount of {$3000.00} that was not applied to our loan balance. Contacted the company numerous times since XXXX and still do not have a resolution. We paid off our loan balance on XX/XX/20 but the XXXX statement still shows we owe {$2800.00} while the My Account Details page shows we have a ( {$190.00} ) balance. We continue to contact the company to give us the money we overpaid and provide us the title to our car. The customer service representative keeps indicating they sent an email to the Finance team but nothing gets resolved.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$100.00} cash app Decline payment on XX/XX/XXXX of XXXX And said that it get got directly sent back to the XXXX XXXX merchant But I havent still receive my funds back yet
Product: Student loan

In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

They still haven't deleted the old address. I have been a victim of fraud in the past and people using my information before.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute for incorrect information reporting regarding a collection account. the balance reporting is inaccurate and should be XXXX. attached is a screenshot showing the inaccuracies and transunion is saying the info is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, TRANSUNION 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 an account without my written instructions.