23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a complaint regarding Capital One Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I went on Friday, XX/XX/2020 at XXXX to deposit cash to my checking account. The bank was crowded and did not want to wait on-line since I'm going through treatment, I saw the ATM machine ( XXXX ) inside the bank. I inserted my bank card enter my pin and selected deposit cash, the draw at the bottom opened. I deposit XXXX ( XXXX Bills ) and 1 ( XXXX bills ) the machine took my money with no issue, then I hear the noise I called one of the teller and told him that the machine is making a noise. Then all of the sudden a notice on the screen stating that the machine is not taking any deposits or withdrawls. Then the machine gave me back my bank card but no receipt. The teller told me to come with him and he'll check my account. The total deposit wasXXXX, he said is not showing on my account. I was already very updet and told him that I needed back my money. He said I would have to call Capital One at ( XXXX ) XXXX, which I did while I was at the bank. I spoke to the manager on the phone and she said that it take 7-10 days. I understand that it was the hoilday on Monday. It is now 5 days. I called yesterday again and they stated that I have to wait until Friday because they have to investigate. I told them I can not wait because my bills already set-up to come out of my checking account. All my bills are going to bounce. I undertand they have to open the machine but they can see that I deposit XXXX. I have NEVER had any issues before. I work for the XXXX  for 25 years, including XXXX at the Federal Reserve Board. This is not fair not to give me back my money, that I have to wait. The Capital One Bank can see that I have always deposit cash every two weeks. Please let me know what can be done so I can get back my {$1700.00} back to my checking account. I need to pay my bills and my husband is XXXX which he needs his medications.
Product: Credit card

The company is refusing to resolve my dispute case # : XXXX. 
I filed this complaint earlier and the companys excuse for not resolving the issue is that they have not received requested documents of my federal or state ID and my prove of address. Meanwhile these documents have been submitted more than six times. I called the customer service line on XX/XX/year> to follow up. I was told my ID card and my prove of address have been received but the company does not accept my prove of address. The customer service personnel whose name according to him is XXXX said the company accept bank statement as the only prove of address. On that day XX/XX/year> I submitted my XXXX  XXXX XXXX statement whiles I was on the phone with XXXX the customer service personnel and he confirmed receipt of my document and said a specialist will reach out to me. 
On XX/XX/year> I called their customer service to follow up and I was told my XXXX XXXX XXXX statement is not acceptable so I should provide another form of prove of address. Without hesitation I provided my XXXX XXXX  statement. 
On XX/XX/year> I called again to follow up. I was told by the representative to provide my XXXX XXXX XXXX digit debit card number and I insisted what does my debit card details has to do with my prove of address? I further told her that I am a victim of Identity theft and I dont feel comfortable with her request. I told her they insisted for my bank statement which have the bank contact information so they should rather contact the bank if she doubts the statement. She asked for my phone number so tha

t a specialist will reach out to me regarding resolution of the fraudulent charges on my account and I gave her. I have now suspected that some of the representatives may be part of the fraudulent activities on my account. Anytime I called the customer service line, I will be transferring to more than 3 departments which I dont know who they are and they ask for every detail of of my identity for verification excuses yet at the end they dont resolve the issue. After I ended my call with them yesterday XX/XX/year> I had a missed call and I thought it was the specialist who called with number XXXX. I Checked the number and the number does not exist. I am living in perpetual fears with what is going on between me and Capital One credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two student  loans that are showing on my credit report that I didn't open and didn't sign for my parents sign for the loans the school that open the loan was a fraud and they closed down and was in the news paper I didn't open the loan and it isn't mine the account is also closed and paid it should be removed by law its not mine and the account is closed and paid
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXX XXXX XXXX Account XXXX XXXX is incorrectly reporting as delinquent. My account is currently protected under the Covid Forbarance Act. As a result, the information listed is inaccurate and should not be reported as 90 days past due. Attached is a letter from the Mortage vendor to support this claim.

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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

I have contact the company every Friday since XXXX and requested information and requested this removed and have not seen it removed. I also spoke with the woman and informed her this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019i sent payPal/ Synchrony a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both PayPal and Synchrony bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with Synchrony nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when Synchrony claims it serviced my account. I have zero obligatins to Synchrony and both companies are attempting to collect as I have letters from both Synchrony and PayPal seperately. Paypal was intermingling regular Paypal and charging me cash advances for transfers of my own money not separating a store credit and regular PayPal. They also werent applying credit to a special financing perchase for months until it was nearly expired.
Product: Credit reporting or other personal consumer reports

TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of XXXX  specifically articulated in 5 U.S. 
Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have written several times to Transunion about removing an incorrect account on my profile and when I have asked for validation they dont provide documentation that they have done a sufficient investigation into the matter and have only sent me a credit report stating it is a valid debt with no documentation backing up their claims.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : SYNCB/WALGREENS Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for ONE CAR LOAN and they ran my credit several time with out my permission and for cars Ive never asked for!
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. 

I called Equifax XXXX XXXX XXXX on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. 

I am still unable to login to my Credit report Account with the error message " Please call customer service ''
Product: Vehicle loan or lease

I took out an auto lease from Chase Bank, account XXXX. The lease was a 36 month lease that was set up for automatic monthly deduction from my bank account, at the end of the term Chase Bank assessed a bill for damage to the car, I did not receive this bill and was only made aware of the issue once I was notified of a 30 day late payment by the credit bureau. 

My issues are as follows : 1. The account was set up for automatic monthly payment and any fees should have been deducted as were the prior XXXX  on-time payments. 
2. I was never sent a bill or invoice from Chase until I called them to query the late charge.
Product: Credit card

My identity was stolen XXXX of this year 2024. 
Citibank issued a Home Depot Credit Card without verifying my identity in XX/XX/year>. 
Thief charged XXXX dollars for services not at my address in XX/XX/year>. 
Thief was arrested at Best Buy trying to open an account and had the Home depot card in his possession in XX/XX/year>. 
Thief is in custody. as of XX/XX/year>. 
I contacted Citibank and Home depot several times, with and without a XXXX representative Starting in XXXX of 2024. 
Acount is closed as of XX/XX/year>. 
Bills are past due and my credit report has a poor score now.
Product: Mortgage

My home was severely damaged by Hurricane Milton on XX/XX/year>. My Flood insurance provider ( XXXX ) send a settlement check in the amount of ~ {$62000.00} to cover damages. Our mortgage company ( USBank ) needed to endorse this check so we could receive the funds. 

We took the check to our local branch in XXXX, MN on ( or about ) XX/XX/XXXX. They put us in touch with US Bank Loss Draft dept ( XXXX ) who explained what they needed and assured us a check for the first 1/2 of our settlement would be in the mail within " 3-5 days '' As we intended to be at our Minnesota home for the XXXX XXXX, we gave them our MN addressed and asked that it be sent there. They said this would be no problem. 

After a couple days, we checked our account on the website they gave us. Since we saw no activity, we called to verify the address they would be sending the check to. 

Our address is XXXX XXXX XXXX XXXX They had it in their system as " XXXX XXXX '' ( incorrect address ). We asked that they correct this. They assured that they would. 

Over the next 10 days, we were in contact with them at least 4 times. Each time we asked them to verify the address... each time they had failed to correct it. 

On Friday XX/XX/year> We called them again only to find out they still had our address wrong. However, this time they assured me they had it fixed and not to worry as the check was still in process and was set to be sent out " Today ''. 

On Monday XX/XX/year> I called them again and was told the check had gone out the previous Wednesday ( XX/XX/year> ) and the address they sent it to was still the wrong one. This check is now lost somewhere in the US Mail. 

When i expressed my anger and frustration about having to now borrow money to pay my XXXX bills, their response was a scripted " We apologize for that '' and a scripted narrative about how they need to put a stop payment on the check which would take up to 10 days. When I pressed them further for specifics on when i might receive my check, they were vague and again offered scripted answered about their policy for handling this egregious error that they caused. 

The frustration we are experiencing from this level of incompetence and lack of regard for our situation is unnerving. I would think somewhere in that organization there would be an adult in the room who might consider that our family suffered significant damage from a hurricane/flood and they just made their ordeal worse by failing to enter an address correctly after 4-5 attempts? Is it too much to ask that they might escalate this to someone who has the authority to say " Yes, it's our XXXX XXXX... let 's can get them a check as soon as possible ''? 

As of today ( XX/XX/year>XXXX  ) we have still not received our funds.
Product: Debt collection

Happy Saturday everyone at Portfolio ; I noticed an account that was removed early this year which original creditor was XXXX, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies.

In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. 

In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C 1681i ) 609 ( 15 U.S.C 1681g ), and 604 ( 15 U.S.C 1681b ) after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XX/XX/year>