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

On XX/XX/2020 all my credit cards issued by Capital One were closed without any notice. A week later, I received letters saying " Capital One has observed activity on a pst or present Capital One account that is not consistent with the bank 's expectations for account activity. Unfortunately, it can't be reopened, and we are not able to offer additional information about this decision. '' I called Capital One asking for the exact reason. But Capital One refused to tell me. I recalled thoroughly all my card activities. The only possible reason I can recall is beside using the cards for purchase, I also did some balance transfers. Capital One credit cards do not charge balance transfer fee and if the balance on the statement is paid in full before the due date, there is no interest either. This is why I made balance transfers from other banks ' credit cards to my Capital One credit cards. This way I can have some more days to pay my credit card balance. I saw about this balance transfer feature of Capital One credit cards a few months ago online and till now many others ' Capital One credit cards are not closed. If Capital One do not like this activity, why Capital One approved the balance transfer request at the first place? If Capital One do not like this activity, why Capital One make this balance transfer feature available? You make out the rules and people behave according to your rules. You are the rule-maker, you can change the rule if you do not like it. But you can not suddenly arrest people saying that you do not like their activities. You are the rule maker, you can change the rule if you do not like it. It is not right to suddenly close all my cards without any warning first. I am always taking good care of all my credit cards and my credit history. The closure of all my Capital One credit cards hurt a lot on my credit history. The Capital One Quick Silver card is the first credit card that I have. Please reopen my cards. Thanks.
Product: Payday loan, title loan, personal loan, or advance loan

This is the second time I have filed a complaint with XXXX about this problem. I obtained a personal loan from Citi to be dispersed to my XXXX XXXX XXXXXXXX account on XX/XX/year>. The routing number supplied was wrong, and the dispersement never went through. I filed a complaint with CFPB and they claimed they made the dispersement, and closed the claim, but the money never came through. This could be resolved by my giving an alternative bank to disperse the money, but Citi never wants to have an individual talk to me to resolve this problem. This has been going on for XXXX months and they are charging me interest on a loan for {$300000.00} they have never dispersed. If this is not resolved in 7 days I am filing criminal charges for fraud against citibank for financial fraud.
Product: Credit reporting or other personal consumer reports

The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at experian.com/upload.
Product: Credit card

Due to hardships including the XXXX XXXX XXXX XXXX XXXX and taking on the responsibility of her estate including her pets, as well receiving XXXX XXXX XXXX XXXX for myself, I fell behind on payments for the first time with any of my accounts with Upgrade in XX/XX/XXXX. Upgrade refuses to give me payment options for this account. I had turned to a debt restructuring program at around this time, This debt consolidator  is allowing my accounts to languish and is not settling in a timely manner, so I called Upgrade to discuss options on XX/XX/XXXX and XX/XX/XXXX. I was told both times that they can not speak to me because the debt consolidation company has a XXXX on my account and my only option is to remove from the account from the consolidation service then call them back. This is false. The document they were provided with is a Letter of Authorization and nothing in the letter prevents me from discussing my account with Upgrade. The operator I spoke with on XX/XX/XXXX ( XXXX ) admitted that they wouldn't even speak to the debt consolidation service until the account became XXXX  days overdue and the account has not hit that threshold at that time. XXXX appeared to be trying to push my account into default which is a detriment to my already difficult situation. I am requesting that they provide payment options so I XXXX choose on how best to proceed in improving my financial situation ( to either pay Upgrade directly and remove my account from the debt consolidation program AFTER coming to an agreement, or to let Upgrade know that I will be staying with my current debt consolidation program if I am unable to meet their terms upfront ) .I am also requesting that Upgrade does more train their employees on the correct way to handle situations like this other than to give consumers bad information to rush them off of the phone. 
I also contacted the XXXX  of XXXX  on XX/XX/XXXX to try and get a resolution. Upgrade ran down the clock with XXXX form letters that did not address my requests. The XXXX  closed out the complaint with the note : Answered-The business responded to the complaint, but the consumer remains dissatisfied. 
I made good faith payments on XX/XX/XXXX ( {$20.00} ) and XX/XX/XXXX ( {$20.00} ) to try to keep the account open until I could reach a resolution with Upgrade. I logged into my account today XX/XX/XXXX to try and make another payment. The sentence " Your account is charged off. To avoid your debt being sold to a third party, pay your amount in full '' is now on my account dashboard. The amount in full below it states {$2700.00}. I have not received any official notification outside of this display that my account was being charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, XXXX, have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments were reported Inaccurately the fcra states that if items are reported incorrectly they said be deleted XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened in XX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my XXXX and my Experian credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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: Checking or savings account

On XX/XX/XXXX, i was alerted by PNC thru email about my account being overdrafted. I was thoroughly shocked by this information because i knew i had funds available in my account. I found out that i had XXXX transactions against my account over 3 days and was never alerted about the charges until after my acccount was overdrafted.. And my account was negative {$750.00}. i contacted PNC on friday the XXXX when i found out my money was gone. I was told by PNC customer service that i would be be given a provisional credit for the amount i was missing, for the ones that got processed, and i did receive them. I was told by the customer service rep on friday that when i put the last of fraudulent charges in for dispute. That i would also get the credit because it was from the same batch of fraud charges. I called on feb. XXXX and filed to dispute the last of the charges. But now i ' being told that i have to wait XXXX business days, even though i was told different on tuesday the the XXXX of feb. On Tuesday I was told that i would more than likely get the credit because they are from the same batch of charges, just on different days. And now i have bills coming out of my account and overdraft fees about to charged because i have to wait XXXX days. And there is absolutely no reason why i should wait for my money to be given back to me When the other times this happened i was able to use my money that was stolen from me on that very same day. I feel like i've been lied to and i want to retain my money from the fraudulent charges so that i can close my account and never bank with PNC ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. Trans union, XXXX  and XXXX.
Product: Money transfer, virtual currency, or money service

This report highlights significant concerns regarding Zelles handling of disclosures and dispute resolutions, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit. The platform has been criticized for inadequate transparency in its user disclosures, leaving consumers unaware of the risks, such as the non-reversible nature of transactions and limited protections against fraud. Additionally, Zelle 's dispute resolution process has been reported as ineffective, often failing to assist users in recovering funds lost due to unauthorized transactions or fraud, which raises compliance questions under the Electronic Fund Transfer Act ( EFTA ). The CFPB lawsuit further underscores systemic noncompliance issues, including misleading practices and insufficient safeguards for consumers. To address these problems, Zelle must enhance its transparency, ensure clear and comprehensive disclosures, and implement a more consumer-friendly dispute resolution process. Immediate corrective action is necessary not only to align with regulatory standards but also to restore consumer trust and confidence in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by vendor on a fraud alert with Transition and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This looks deceptive and suspecious being a victim of identity theft my gaurds are up. Experian has my name spelled incorrectly on my report. my name is XXXXXXXX XXXX XXXX And experian has it XXXX XXXX XXXX -- -- that is not my name. Also the accounts have inaccuries as well. 

XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX both have inaccuries the date last activity are two different dates as well as last reported date, how can these account report different dates with two different activies but all happened the same time. Below i have uploaded documents proving my statement with my report reporting different dates.
Product: Vehicle loan or lease

XX/XX/year>, USAA prepared a " Note, Disclosure, and Security Agreement, NONNEGOTIABLE PROMISSORY NOTE '' electronic consumer credit transaction in which a Third Party Agreement was electronically signed by a third party without my knowledge.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and found inquiries from the following institutions that I do not have any consumer accounts : with them. 


1. XXXX XXXX : XX/XX/XXXX 2. XXXX  XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I paid Macy 's in full and closed the account. Macy 's continues to bill me on a non-existent account under different account numbers. I've communicated with them telephonicly and by written correspondence several times to no avail. 

I'm being reported to the credit agencies as late which is affecting my credit score. I did also file a complaint with them. 
The last invoice I received from Macy 's has a due date of XX/XX/XXXX for {$180.00} and Citibank demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification that a hard inquiry had been added to my Equifax credit report. Upon checking the origin of the inquiry, it was noted that XXXX XXXX ( Telephone Companies ) was the creditor making such inquiry. I not authorize an inquiry to my credit report, I have not in the past or in the present, had any association of services with XXXX, nor have I made any inqiuiries for their services, been contacted by any representative of XXXX or received any solicitations for their services. I immediately filed an on-line dispute with Equifax and received an error message to contact them regarding the results of their investigation. Equifax did place a fraud alert on my report that is to flow across to the other credit reporting agencies, but noted I would need to contact XXXX to have the inquiry removed from my report since only the creditor could authorize it's removal.. 

I've spent the better part of 3 days making numerous phone calls to XXXX in an attempt to speak with someon who could direct or assist. me to the proper deopartment and authorize removal of this inquiry. Dozens of calls to several of XXXX ' published customer assistance phone numbers continually placed me in an electronic holding pattern, one time for ( 3 ) hours with a recording that all representatives were currently busy assisting other customers. Of the dozens of calls made, only twice did I finally get a live person ( one in the credit department and another in wireless services department ) neither of whom could assist me because it wasn't within the scope of their departments ability. Both suggested I contact the credit reporting agency and dispute the issue with them and request the inquiry be removed. Both provided a phone number to the Wireless Services Fraud Department that again, kept placing me on hold without answer. 

I've been repeatedly attempting to contact the XXXX XXXX Fraud department ( as directed ) at the phone number provided by the Customer Service Representatives only to go on hold for extensively long periods oftime. To this date, I still haven't spoken with anyone that can actually assist to correct this issue. 

As a consumer, I'm deeply concerned about the ease of which this fraudulent and unauthorized inquiry could be made to my credit report and correspondingly personal and private information. This is the second unauthorized, unsolicited inquiry made within two years. The same lack of assistance and remediation existed in that incident too. I'm concerned about the lack of responsibility and assistance I've been experiencing to remedy this matter, remove the hard inquiry from my report and prevent further potential issues against my reportable credit status.
Product: Debt collection

Transworld Systems on behalf of XXXX University is attempting to collect a debt on behalf of my daughter. My daughter and I were never at the facility on the dates of service provided by XXXX billing, nor has my daughter ever been at this facility. This is clearly an error and XXXX continues to attempt to collect a debt even after I already filed a complaint with the CFPB about their former practices and past threatening phone call. I did not authorise any services or sign any documentation requesting care for my daughter at XXXX nor was my daughter there on the dates of service. This is not a valid debt.