23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Saturday XX/XX/year> - XXXX* XXXX XXXX XXXX XXXX NEW YORK {$220.00} I did not make this transaction and the company is saying that I viewed my online portal various times prior to reporting this transaction as fraud as that should even be a reason to consider whether or not something is fraudulent or not. Viewing my account online it's specifically states how the card was used for this specific transaction and it clearly states " Purchase Method : RADIO FREQUENCY IDENTIFICATION '' I tried to resolve this matter with Discover saying my card could've been taken from me and used without my knowledge but they were hesitant to reopen my case because they stated I viewed the transaction various times prior to reporting it as fraud even though that is not true or I may have not even noticed the transaction.
Product: Debt collection

I have received several calls and emails from private investigators and XXXX XXXX who says she represents XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX for an account that has been turned over to them. 

However, I am still receiving bills and have access to make payments directly to XXXX, not XXXX. She has threatened to seize property and come to my location to seize assets in the value of the debt owed. 

The calls are harassing and non-stop and when I advise her that I am contacting the FTC, she ends the call and begins to send emails stating that she's representing the company and telling me what she can do.
Product: Checking or savings account

This is regarding BMO Bank I logged into my BMO accounts to find most all funds removed. Further review showed Unauthorized Fraudulent ACH Epayment to XXXX. I reported this within hours of finding this issue, however it was 10 days after the XXXX XXXX was made. Bank is citing RegE XXXX hour notice. However, I believe the bank had a data breach that lead to this Fraud and they are not providing information to research. It has been XXXX weeks and I still don't have information regarding the research the bank performed to make this decision. This is a XXXX figure loss and the bank is not being cooperative of wanting to find out what actually occurred.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge of this, and the company proceeded without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXXXXXX XXXX XXXX preformed a hard inquiry on my credit. I did not authorize this. On XX/XX/year>, I got a letter in the mail from XXXX XXXX stated I applied for a credit card and that in order for the application to be processed I needed to submit a verified ID. I did not apply for a credit card. On XX/XX/year>, XXXXXXXX XXXX performed a hard inquiry on my credit. I did not authorize this. I made contact with XXXX XXXX on XX/XX/year> and they have no record of me in their system or as an applicant.
Product: Credit card

On XX/XX/XXXX I called Capital one in reference to a late payment that was reported inaccurately on my credit report. I spoke with XXXX and was told that there was nothing they could do once the information was sent 3 days after the statment date, i asked why was it reported late when the payment was submitted on time but not drafted until after the due date by Captial One. The agent stated he would not be able to answer the question and would need to escalate the call and someone would reach out to me with in XXXX to XXXX business days. The call never came XX/XX/XXXX I placed a call to capital one about a late fee for a payment that was not late, i also asked the status of having the late payment removed from my consumer report because it was inaccurate. I was told it would need to sent to the collection department and they would have to call me back. Call never came. 


XX/XX/XXXX I filed a dispute with XXXX to remove the inaccurate late payment from my report, capital one responded on XX/XX/XXXX an " verified '' the information as correct. I was never sent an investigation, nor was there any correspondence produced to support the validity of the inaccurate report. 

XX/XX/XXXX Called Capital one to have the XXXX and XX/XX/XXXX late payment inaccurate reporting removed. Was transferred to collections, spoke with XXXX, and was told that and investigation would be started and I would receive a letter in the mail. No such letter arrived, no follow up was provided by Captial One XX/XX/XXXX filed an in accurate balance dispute through experian, balance was updated correctly, but in accurate late payment was still not removed. 


XX/XX/XXXX Captial one again reported my account as delinquent inaccurately, the also decreased my credit limit on an adjoining account that has been in good standings for over 14 years by 65 % putting me at limit and drastically effecting my credit worthiness. 

XX/XX/XXXX I called Capital Once and spoke XXXX in collections about the late reporting and the drastic decrease in my credit limits on both cards, placing me at limit and effecting my score, i was told that, " we have not control over what is on your report, we just send the agencies data and they do the rest. 

This has been going on for over 2 years at this point, Capital one has sent XXXX written, either email or physical mail, follow up to my concerns, nor was I notified in writing or via phone call about any changes to my account this has effectively my consumer report and credit availibilty and usage.
Product: Checking or savings account

Recieved email from " Wells Fargo '' asking me to verify information on my account. I have no wells fargo account. never have. See below Wells Fargo Online XXXX We discovered multiple failed attempted login on your account on Mon. XX/XX/2019 at XXXX. Hence, we temporarily locked your password. 


Click here to verify your information now to avoid account suspension. 


Our apologies for the inconvenience. This is a big deal to us too, and we will do what we can to help you. 


Wells Fargo Online
Product: Money transfer, virtual currency, or money service

Ally bank closed my savings account for no reason at all. I did not request this. All of my savings are missing and I can not access them. Then when I contact the bank, after speaking with 2 agents, they claim that all they can tell me is that a letter is being sent to me and that I may receive a check in the mail. I am so livid and distraught. People keep their money in the bank for it to be safe! Where is my money??!! Why was this done?? 

I will begin looking for a new bank. This bank needs to be thoroughly investigated and shut down. There is a lot of fraudulent, unethical behavior going on with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months Capital One has been reporting I owe {$1000.00} on a {$500.00} credit card. My credit report says that Capital One closed the account for fraudulent activity but are ruining my credit. 

I didnt authorize or open a Capital One Account. I disputed with them and the 3 Credit Bureaus. 

Capital One keeps saying the information matches instead of investigating FRAUD. Which is someone stealing your information. 

I want them off my credit report because they are ruining my ability to get loans or credit. 


XXXX XXXX XXXX has been reporting missed payments in which I didnt miss any payments. They are reporting I missed 7 payments during COVID19. Under the Cares Act companies are not supposed to report late payments if you make arrangements with the company ( see attached ). Also I paid off the account and XXXX  reported my balance increased and that they are late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found there was XXXX fraudulent account on my report which is XXXX  it has a XXXX which does not belong to me I have never heard of this company
Product: Vehicle loan or lease

For over 1 year now, I have been unable to access my account to make payments or get information on my payments being applied. I am not able to speak with anyone and have sent email requests for help to resolve the problem but they never call me back. My balance has not gone down at all from the time I purchased the car in XXXX. My balance is still the same. I have been waiting for a call to make my payment and the call never happens. But the fees are always applied. I am being taken advantage of and my country is unwilling to help protect XXXX veterans like myself from corporate greed and fraudulent charges. You are allowing this to happen and I am the only one suffering any damages and going broke in the process. I did not purchase this car with the intention of never paying it off. An audit of my payments should be made on my account. 
My account number with the company XXXX Please HELP MXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many years ago I paid a collection with XXXX XXXX and was advised that the tradeline would be removed from my reports. It was removed from XXXX and XXXX, but remains on Equifax. I recently contacted XXXX XXXX and spoke with XXXX. She advised me that they had requested for the collection to be removed years ago and no longer had any record of it. She suggested that I contact Equifax, which I have done multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Equifax created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Equifax. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Equifax is disclosing is forcing me to lose confidence in the banking system because of Equifax credit reporting methods.
Product: Prepaid card

On XXXX XXXX I submitted the information that XXXX requested. I had to buy a fax app to submit the information because their website did not work for the card. I spoke to 2 representatives again on XXXX XXXX trying to get a replacement card. They told me to upload information to their website which I tried numerous times and it would always give me an error. I explained that and they told me they cant fix the website so I would need to again pay to fax them the information. I told them Im not paying more money to send them information again about the card that they shut off and I paid for. I asked them to have someone call me back that could help me and they hung up.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, credit collectors, due to false information. XXXX failed to provide valid information that shows the information is not false. I recently was notified that the CFPB has filed a lawsuit against the company ( XXXX ). The alleged the company accepted unreliable information, and failed to notify customer of dispute results. XXXX has not attempted to remove nor correct any information. I am requesting that this derogatory remark be removed immediately.
Product: Credit card or prepaid card

I was introduced to the idea of borrowing money for large purchases starting at the age of 17 for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
Product: Credit card

I was traveling from XXXX back to the US on XX/XX/17. We went to a gas station to top off the rental car tank. No one spoke English well. The attendant at the gas station told my partner his card wouldn't work, so we used my card. He later found a charge for the same amount. Fortuantely for HIM, HIS bank reversed the charges. Unfortunately Bank Of America is a bunch of crooks. If I paid {$1500.00} in US dollars for gas, I want the gas I purchased that I OBVIOUSLY did not receive. The only other time I used the card was at a XXXX kiosk in the airport. Unless two slices now cost {$1500.00} US dollars, I was ripped off. 

BANK OF AMERICA IS STEALING FROM ME AND I CAN NOT AFFORD THIS. I AM NOT RESPONSIBLE AND SOMEONE HAS BENEFITTED BY STEALING FROM ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been reporting inaccurately for years. I disputed with the Credit Reporting agencies and the XXXX and XXXX continue to violate my rights. 
Per the dispute results that I received on XX/XX/XXXX. Experian stated that the company certified the account to be accurate. 
Balance showing of {$2000.00}, but the account is reporting as charged off. Inaccurate reporting for 49 months which is a violation of the FCRA. Balance should be XXXX On XX/XX/XXXX XXXX reported my balance as over the limit? The account should not report a balance as has been charged off- proof attached Payment history is incomplete and inaccurate. 6 months of payment history missing from XXXX of XXXX XXXX of 2016. Payment history makes up 35 % of my credit score Account showing ND for 1 month XXXX has been inaccurately reporting, in addition, I asked for the 1099 as the account was charged off due to my financial hardship XXXX refuses to comply. 
I filed a complaint with OCC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.
Product: Debt collection

I do not have a contract with this company collecting a debt. I have never received any information related to this debt. I have disputed this debt and have not received anything from this company. Please provide a contract where I had services to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Worst experience ever Worst experience ever. I moved to XXXX XXXX and they would not close my business account over the phone. So I have to fly back to Florida to do that. This is after a representative told me it was okay to close my account over the phone. They are not consistent with there policy 's. One representative will say you can do something and the other will say you can't. I closed business account with other banks over the phone no problem. This bank is incompact. I wonder how they manage peoples money. 

Date of experience : XX/XX/20XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Debt collection

I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX  payment on a credit card account under an open end consumer credit plan as late fur purpose.
Product: Credit card or prepaid card

Citibank XXXX credit card offered 0 % APR on Balance Transfer transaction ( s ) [ 1 or more ] from earlier this spring to next XXXX if they were initiated by XX/XX/XXXX and minimum payments were made on time by the payment due dates. Purchases could still be made in conjunction with the Bal. Transfer balance ( s ) still outstanding and any/all additional pay-ments above the required min. amount due would be applied to those purchase balances that have higher interest rates. Since a XXXX credit card bill when Bal. Transfers 1st posted on a statement along with purchase transactions, i have tried to pay in FULL all of the new purchase charges that also posted on a statement PLUS ( and in ADDiTiON ) the minimum payment to hopefully avoid any interest from occurring OR accruing on my XXXX  account but so far it hasN'T been possible to achieve this objective unfortunately! This is a Citibank manipulation with their payment processing system that i believe is intentionally by design due to the additional payment made above the min. payment NOT being applied entirely/strictly to ONLY those purchase transactions that have posted on the most recent statement, instead of being prorated amongst ALL new purchases, including those that have actually posted on the credit card account, but NOT as of yet on and to a statement!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Product: Debt collection

On XX/XX/XXXX, Phoenix Financial called 4 tines in a day, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX. Obviously they are calling more than once an hour, which is illegitimate collection tactics. This is harassment.
Product: Money transfer, virtual currency, or money service

I tried to move some XXXX off of Coinbase on XX/XX/XXXX. I received a message that there was a " technical glitch '' and I couldn't try again until XX/XX/XXXX. I tried again on XXXX and received the " technical glitch '' message again and was told I could not try again until XX/XX/XXXX.