23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being sued by XXXX XXXX XXXX who claims they are working on behalf of Capital One. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with XXXX XXXX claiming to represent Capital one on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against Capital One, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.
Product: Payday loan, title loan, or personal loan

On XXXX I submitted a CFPB complaint against Barclay Bank. Barclay 's promised to refund/waive the {$29.00} fee. This fee incurred due to one of my monthly auto-payment being deleted without my knowledge. The bank credited my card however to date has failed to refund the {$29.00} back to the same bank account where the funds originally came from. I provided feedback back to the bank that the funds needed to go back to the bank. They were unresponsive.
Product: Checking or savings account

I opened a CD with capitalone bank with an amount of XXXX for a year, at the interest rate of 2.7 %. Upon reaching maturity, I was not paid out the correct amount. The total amount came out to be XXXX instead of XXXX, short of {$53.00}. 
Upon complaining, the support team kept arguing and giving me a formula to calculate and even after applying that formula, the interest rates didn't add up ( formula given [ balance x interest rate ] ) /365 ( 366 for leap year ) x days in a month ). 
When I responded saying, the results do't add up still, the agents kept saying they can only give formula and can not verify the interest and said they would put in a request for it to be verified, but the amount was never verified or any explanation given. I felt cheated out of the amount owed as if I had defaulted on my cd they wouldn't refrain from withdrawing a penalty, but when they are at fault, they refuse to correctly pay out the amount promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2019, I was a victim of check fraud. There was a negative balance, that was left, I paid it in full and spoke to a XXXX XXXX  Branch Manager, and it was supposed to have been fine, since the negative balance was cleared up. I tried opening an account with XXXX XXXX XXXX XXXX and 5 days later the account was closed, upon investigating, I was told it was because of an alert that Early Warning Services had on my credit file. I have contacted XXXX XXXX, I have spoken to multiple branch managers, I have contacted Early Warning Services multiple times and I have been getting the run around, i am not able to join any financial institution because of this. I have done everything in my power to get this removed, especially since the balance is {$0.00}
Product: Credit card

The reason for my complaint is that although buried in the terms for opting to use the Pay Over Time option for a large purchase is the fact that all payments over and above the calculated Interest Savings Balance are first credited against the Pay Over Time Account, this is a deceptive practice. The math for calculating the Interest Savings Balance is the following : Monthly Payment = Monthly Purchases - Pay Over Time Balance + Monthly Pay Over Time Payment. In my case I had expected a payment of approximately {$3500.00}. However, when I received my statement, my payment was approximately {$6000.00}. After studying my statement I determined the following : XXXX. I purchase a refundable XXXX ticket for {$2500.00}. 
XXXX. I could not fly as scheduled so I cancelled my flight and received a refund from XXXX in the amount of {$2500.00}. 
Chase did the following ; My Monthly Purchase included the {$2500.00} XXXX ticket. The Pay Over Time Balance was reduced by {$2500.00}, thus increasing my payment by {$2500.00}. As you can see, I purchased nothing and Chase paid out nothing, yet Chase ends up with an additional {$2500.00} this month, and the value of the Pay Over Time option was negated. 

Chase told me I should have arranged with XXXX to have the refund paid to me in some other form to avoid having my Pay Over Time balance reduced.

I was able to use other funds to pay this unexpected amount, but I am sure many people are not. This deceptive practice essentially enables Chase to move customers from the advantageous Pay Over Time option into paying the huge current interest amounts of 19.49 % on monthly outstanding credit card balances.

I see all cards now pushing this Pay Over Time concept. The reason is obvious, the card companies understand that they can use this concept to move people into paying high interest rates on outstanding balances. CFPB should move to prevent this deceptive practice and put the Pay Over Time balance onto a level playing field for customers.
Product: Checking or savings account

On XX/XX/2021 around XXXX I got a fraud alert for a global transfer from Citibank that I never made for 2000.00 Right away I responded no and called the fraud dEpt. I went on and checked my account to realized my savings account was wiped clean. A prior transaction was made for 4500.00 around XXXX that I had no idea about so I was a victim of fraud for a total of 6500.00. I immediately called Citibank and told them someone was stealing my money. They closed my account and the following day I went to the branch and had to open a new one. I also filed a police report right away because I want to press charges on whoever stole my funds.I had a claim put in immediately on the XXXX two days later they denied it I was LIVID. I also received in the mail paperwork from Citibank dated XX/XX/XXXX how the global transfers were cancelled due to lack of information so how someone stole my money is beyond me!!! Being Im a consumer of Citibank for 18 YEARS. They put in another claim XX/XX/XXXX. Today is XX/XX/XXXX they are now denying it again. Somehow someone broke into my account and Citibank let them get away with ALL my money.I am beyond disgusted with them I called infuriated and all they said was they will make another claim a THIRD claim. Its been 16 days and I still do not have my funds. Im a single mother that works two jobs just to get by. ALL my money was in that savings account. Please help me get my money back I am a victim and I dont know who else to go too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXXHowever, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit card

An unauthorized transaction was made on my Chime XXXX XXXX account on XX/XX/year> in the amount of {$1400.00} at XXXX XXXX. I transferred funds to my account to set aside for a moving fund. I filed a dispute with Chime on XX/XX/XXXX they then denied my claim the following day without proper investigation. An appeal or rebuttal was filed on XX/XX/XXXX at which point I also provided a written statement and a statement from the business stating the charge was unauthorized. That rebuttal was also denied despite submitting substantial information. I tried calling police but because I was unsure where I misplaced my credit card they were unwilling to file a dispute. It has been now almost XXXX  months of me fighting the bank and nothing has been returned to me and this issue has yet to be resolved.
Product: Credit reporting or other personal consumer reports

I've noticed these credit card inquire that I do not recognize. These bank did not take part of making a solution when the inquires was made. Dates provide below are the dates inquires was reported and when the they was informed. 


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

My name is XXXX XXXX, the company United Revenue Corp. States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.
Product: Debt collection

According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. I demand a copy of the original signature of the original contract that I have with you for the amount that you are claiming that I owe. I have never signed a contract with you. Please remove your invalid collection claim that you are trying to collect from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXXXXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of XXXX XXXX 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of XXXX XXXX 
I am a victim of identity theft and I never opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

A number of items were verified with out proof supplied to me as the creditor, I have a quit claim deed in which I have a court order to give the home to my husband and I did a quit claim deed giving up my rights to the home and still have it reporting on my credit as XXXXXXXX XXXX XXXXXXXX and Transunion failed to remove my mortgage off my credit I also have instructions listed in the attachments below. Please correct this quickly as my ex husbands credit worthiness and financial situation is affecting my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all needed information to XXXX and Experian to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

Summit Receivables is trying to collect a debt that my relative owes. In order to get me to call them back, they are making false claims that my checking account has been hacked. I have proof of the following voicemail messages left by Summit Receivables : XXXX/XXXX/16 ( XXXX p.m. Central Time ) : " This is XXXX from Summit Receivables. I 'm contacting you regarding an automatic withdrawal that was authorized on your checking account and I just need to verify some information for security purposes. I can be reached at ... '' XXXX/XXXX/16 ( XXXX Central Time ) : " This is XXXX from Summit Receivables again. Still trying to get in touch with you to verify some information on this automatic withdrawal on your checking account. Please contact me back at your earliest convenience so we can confirm that you DID authorize this transaction. You need to contact me back at ... '' XXXX/XXXX/16 ( XXXX Central Time ) : " Hi. I 'm calling from Summit Receivables and I 'm currently conducting an audit on your file in my office. It seems that you had a conversation with a representative here in another department and some of the notes kind of put you in a negative light. I really wanted to speak to you to give you an opportunity to respond on your own behalf and to let me know if there was anything that I can take into consideration before I do turn in my recommendation. I do n't have a lot of time to try to make contact with you so I 'd really appreciate a call back as soon as you get this message. Let me give you my number ... '' XXXX/XXXX/16 ( XXXX. Central Time ) : " This is Summit Receivables. I 'm calling regarding a letter that went out to you that may concern you. I did want to talk to you briefly. Give you a chance to respond to this letter. Do give my office a call as soon as you get this message. I did want to give you a chance to respond to this on a voluntary basis. I do have to render a decision on this file very soon so it 's very important that you do return this call as soon as you get this message. You can reach me at ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with XXXX  and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom it may concern, I am writing this to file a complaint against XXXX. 

On XX/XX/scrub>/24, my cash spending account, in which my paycheck from my full-time job is deposited, was restricted for no reason. I am unable to make purchases with my cash spending debit card, initiate wire transfers, and anything that involves funds coming out of the account. 
I contacted XXXX multiple times via chat, telephone, and email on XXXX/XXXX/24 and XX/XX/scrub>/24. I let XXXX know that it was critical that I have access to my funds so that I could pay bills and get gas to get to work. Additionally, I have a XXXX in which an emergency could arise at any time, and I do not have access to my funds, which is very scary. Their response was very generic and told me I would have to wait XXXX business days or longer to receive a resolution for a specialty team. I ABSOLUTELY CAN NOT wait XXXX  days to have access to my own money. 

With that being said, XXXX took no action to unrestrict my account and could not explain their reasoning for restricting my account. I have verified that there were no unusual transactions in my account and answered all questions to verify my identity. I have done everything reasonably possible to comply with all requests to get my account unrestricted. 

It is unfair and unethical that XXXX has restricted my ability to access the funds I work hard for every day to obtain. This is unacceptable. XXXX has put me in a very vulnerable and dangerous financial situation. I have had my XXXX account for years and nothing like this has ever happened. With that being said, I will definitely being changing my direct deposit to another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX  report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.
Product: Credit reporting or other personal consumer reports

Hello-I would to submit a formal complaint with TransUnion, the consumer credit reporting agency. Due to recent identity theft, I have an account with TransUnion and my credit report was on 'freeze ' with them. I came to learn that someone ( fraudster ) hacked into my account and lifted my credit freeze on two occasions ; XX/XX/2023 and XX/XX/2023. According to TransUnion, a person logged into my online account and lifted the credit freeze ( twice ) but that was the only information they provided me. I don't understand how someone can just hack into an online account without TransUnion password nor my e-mail password. ( When you log into TransUnion, there is a 2 step verification/ authentication where a XXXX  digit numeric code is sent to your e-mail from TransUnion , but I didn't receive these codes on both occasions ; XX/XX/2023 and XX/XX/2023. ) I'm think this can be an inside job? I still want answers around who hacked into my account and how they can prevent this going forward. When you call in, the TransUnion representatives always asks me and other consumers their Social Security No. 's ( full XXXX digits ) and other personal information when you try to resolve issues with them. This is a big concern as I have experienced a security breach and the fraudster tried to open numerous credit cards ( XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX ) during this time period. 

I had a very similar experience with XXXX, where they told me that someone ( fraudster ) called in and lifted my 'credit freeze '. How can this be possibly done? XXXX did provide me with a confirmation no. XXXX. 

This is a serious matter. The companies and letting fraudsters unfreeze credit reports. I am not sleeping well, and restless thinking that someone can hack into my account anytime and unfreeze my credit report. Please help me, thank you!
Product: Credit reporting or other personal consumer reports

I have not received my XXXX  credit report from Lexis Nexis. I want Lexis Nexis to send and mail me a complete copy of my Lexis Nexis Consumer Report.
Product: Credit card or prepaid card

Made a purchase From Biglots/Commenity Bank and set up automatic payments on the phone with a member of customer service. I received a call from the XXXX and a statement that says I'm two months behind and it is reporting on my credit now. Please help me!
Product: Debt collection

This is in response to the collection companies answer. At no point did I verbally or written agreement with this company to repay any amount. Had I actually spoken to them I would have reminded them about the verbal agreement. I did contact them this past week and was told by XXXX that there was never any payments made by me. With that being said they lied completely to the CFPB. Yes the verbal agreement was made before I moved out that my now exhusband was responsible and I wasn't and there was never an agreement made for me to pay anything!!!!!