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

The funds were available in my bank account. Each week around {$1000.00} is deposited into my XXXX account. I called XXXX  and questioning them as to why I never received any notifications, therefore I could not transfer funds. My account has always alerted me and I have not had this issue. XXXX had charged me over {$200.00} in fees and there has been over {$1400.00} deposited into my account and each time my account balance is negative afterwards and when asked why are checks that have been paid are still being ran they refuse to answer. I feel my account is being used for illegal activities I want this to be thoroughly investigated. The last time I had this issue with a bank ( XXXX XXXX ), there was illegal activities going on with my account and I am concern about my personal information as well. For the last XXXX weeks after my funds have been deposited, there are not any funds for me to even put gas in my car. I can not keep work due to me having patients and there being a shortage of XXXX as a result of the pandemic.
Product: Checking or savings account

XXXX Bank  aka chime still refuses to refund me back XXXX XXXX a XXXX account that was not in my name and that I didn't authorize, and also for XXXX bank program fee of XXXX that I didn't authorize and I notified them of my complaint with u guys and my FTC Report
Product: Debt collection

in 2016, i went to XXXX XXXX and open a XXXX account. Right after i got home, my wife told me to return it since she already open a second line for me under her plan. I returned the same day to XXXX XXXX and returned my phone plus cancel contract. I was told by XXXX XXXX, I had 7 days to change my mind and return the phone which i did. Now, comes to find out, several years later, i got a collection notice and account reported in all credit bureaus that i owed XXXX {$890.00}. They sold a fraudulent account to a collection company. I went back to XXXX XXXX and dispute with them. They said that they have cancelled my contract and that my account should have never existed with XXXX. I did not even have my phone or account with XXXX for even 24 hrs. XXXX XXXX reassured me they will take care of it. I have disputed that this is not a valid debt to the collection company but still got denied. My english is limited and I feel XXXX took advantage of it and never cancelled my account which i took back within the same day. Please help me as I have been denied credits and humiliation from this.
Product: Credit reporting or other personal consumer reports

The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Account Description showing XXXX XXXX XXXX requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
Upon inspecting Creditor Remarks ( XXXX ) exhibiting ACCOUNT INFORMATION DISPUTED BY CONSUMER. There are certain things I can not live without. XXXX of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
Viewing Date Opened ( XXXX ) demonstrating XXXX. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
Upon inspecting High Balance ( XXXX ) exhibiting {$5400.00}. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with XXXX XXXX standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by XXXX XXXX. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor have I lived at this address. Please kindly remove it from my credit profile.
Product: Debt collection

AFNI XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX The above entity has fraudulently made claims that an old cable utility account ( XXXX XXXX ) is only 1 year and 3 months of age and therefore derrogatory. The account was opened and closed 8 years ago and has passed the statue of limitations. This is the second time this company has attempted to illegally collect on this debt and fraudulently report an incorrect age of the account in an attempt to extort money and damage my credit rating. Also, I have received no written notification and none of my attempts to contact the company have been successful. Neither calls nor written letters have been returned. I only discovered this report when I noticed my credit score sliding through a banking application.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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

Inaccurate account status for XXXX and XXXX of XXXX as well as XXXX, XXXX, XXXX, & XXXX in the year XXXX. Since XXXX, I've been in contact with the company XXXXXXXX XXXX and was advised my account status would be corrected in no later than 45 days but to no avail.
Product: Checking or savings account

I received an email from someone named XXXX from the capital one security team stating that they were going to restrict my account until they can verify my recent activity and that if I had any questions that I should call XXXX on XX/XX/2022. I called the number on XX/XX/2022 and no one answered. I left a voice mail, and no one called me back. I called again on XX/XX/2022 and left another voicemail. So, the next day on XX/XX/2022 I called the regular capital one number to see why my account was blocked then they transferred me to another department. Someone else told me that capital one did a review and they decided to end the banking relationship, which isn't fair because I never called the bank to say that there was fraud happening or any suspicious activity on the new accounts I opened, and they shouldn't have closed my accounts without calling me first to confirm said recent activity like they emailed me about. The person also said that I would be mailed a check of my funds, however the account is still open, but they will be closing the checking and savings account. The checking and savings account is still open and frozen. They also said that the decision was final and I would receive a piece of mail, but again, I never even received a call from anyone about this whole situation and I never got anything in the mail pertaining to this " review '' that was conducted. I was even sent a debit card prior to this. I told in the past that I would be permitted to open another account. This XXXX person never called me to confirm that I opened an account, not that that should have been done anyway because there weren't any suspicious activities happening on my account. I also still have money deposited in the account. I have XXXX dollars in my checking and XXXX dollars in my savings that capital one won't give back to me. They stole my money. They took my money and still have my accounts open because I can still see it on the app. When I call the bank line everyone acts like they don't know what's going on and that they can't provide me with any information which is a lie because I know they can see why this even happened in the first place. None is this should have happened. My accounts shouldn't have been restricted or closed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX
Product: Credit card

I called capital one 3 times today, twice Overseas CS did not understand and for US CS, I have been on hold now for over 54 minutes. I went onto naturemade.com to make a purchase, I guess you pay with the company SHOP and then all of a sudden they knew all of my Capital One Credit Card information. I can't get anyone on the phone to ask why. I want to know why CO automatically shared my CC information with this company, I DID NOT AND I DID NOT GIVE THEM PERMISSION TO DO SO! This is a breach of my privacy and personal CC information.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Against Capital One Credit Card XXXX- Case # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Credit Card XXXX in connection with severe mismanagement of my West Elm Capital One credit card account ( ending in XXXX ) and ongoing unresolved Case # XXXX. Despite repeated communication attempts, Capital One has caused significant damage to my XXXX XXXX and failed to provide timely resolution or adequate customer service. 

Summary of Key Issues Unexpected Account Restriction : On XX/XX/2024, my West Elm Capital One credit card was unexpectedly declined though my account showed available credit. Investigation revealed an undisclosed restriction stemming from pending legal action on a separate Capital One card. This restriction was never communicated to me in advance, causing embarrassment and preventing me from utilizing Key Rewards and cash-back incentives. 
Inconsistent Information : Capital One 's website showed available credit while its automated phone system and customer service team indicated otherwise. This discrepancy is unacceptable and caused significant inconvenience. 
Unresolved Issue and Credit Score Impact : Despite XXXX letters ( dated XX/XX/2024, and XX/XX/2024 ), Capital One has provided no response, explanation, or resolution. My credit score has dropped by XXXX points, likely connected to this matter. 
Missing Replacement Card : I have not received a replacement XXXX XXXX Capital One credit card as promised by a Capital One agent ( call recorded ). 
Desired Resolution I request the Consumer Financial Protection Bureau 's assistance in compelling Capital One to : Investigate and Resolve : Thoroughly investigate and resolve the account restriction issue, address its impact on my credit score, and reissue my promised replacement card.

Provide Clear Communication : Explain the reason for the severe delay in response and outline steps Capital One will take to improve its customer communication practices. 
Compensate for Damages : Offer compensation for the embarrassment caused, the lost rewards and cash-back benefits, and the potential financial consequences of the damaged credit score.

Documentation Urgency I have been a responsible customer and deserve timely redress. Capital One 's actions have negatively impacted my financial standing. I urge swift action by the Consumer Financial Protection Bureau to resolve this matter. Thank you for your attention and assistance. 

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

am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$580.00} opened XXXX I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies TransUnion What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Checking or savings account

hi i opened an account on XX/XX/year> with a promo code of XXXX and fulfilled the requirements. they didn't give me the {$400.00} that i was supposed to get. i called up on XX/XX/year> and they filed an request form and told me i should hear back within 14 days. 
i called up again today XX/XX/year> and they told me to keep waiting. 
my account number is XXXX name XXXX XXXX bank truist
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the attached information to my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was compromised by a collection agency that came to serve papers to collect for an account that was sent to them by XXXX. The Collector asked me about my personal information wrote it down and corrected it and added it to an account that was a family member with the same or similar name that also was present at the time. He decided not to serve the papers because of the mix-up of information. Years later, I noticed that the account was added to my credit file for non-payment. I have tried to dispute this with the company for years. They will not delete it from my credit file.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Experians guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.
Product: Credit card or prepaid card

I did not open this account. I notified Klarna and they have not been able to resolve this issue. I have contacted Klarna several times. The charges on this account are {$460.00}. 
My identity was stolen in XXXX of 2019. I have a police report.
Product: Debt collection

I XXXX XXXX the consumer and natural person am seeking remedy from Consumer Adjustment Company Inc.. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2022 at XXXXXXXX XXXX I received a text message from Consumer Adjustment Company Inc. which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ). It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ). The message in Exhibit A states " To access your account '' which seems like CACI committed Identity Theft by opening an account under my name WITHOUT my permission and that is a punishable crime. Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$6000.00}, I have intent to litigate this matter if my demands are not met. Please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle and got financed with XXXX XXXX  XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my I don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, XXXX and Transunion.
Product: Mortgage

I XXXX XXXX renewed my insurance a down payment in XXXX of XXXX of {$1200.00}, had the insurance agent from XXXX insurance to fax a proof of insurance to Nation Star. I 've called them 4 or 5 times, no resolution. I was told because in XXXX I had a little elapsed from XXXX to XXXX of XXXX, I was told that I must use escrow to the maturity of my loan. I feel that that is very unfair to me, I have supporting documents where they wrote me and made me aware that they are planning to buy me insurance, but it would be better if I went out and purchased my own insurance because it would be cheaper. Letter date XXXX XXXX, XXXX. I have the supporting letter and will sumit it to you for confirmation, it seem to me that Nation Star Mortgage is trying to make tremendous profit on me. The mortgage was originally taken out by XXXX XXXX XXXX , XXXX XXXX XXXX high interest rate I had some problems, they in return through me to this bad mortgage company ( Nation Star ) please help me to come to as smooth resolution. 
-Respectfully XXXX XXXX XXXX