23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted 3 credit card payments for 3 different accounts. As I have done for years. The problem came about after the default setting on the credit card payment system automatically selects the first account listed on your list of accounts as a default account. If you forget to change the account selection or it doesn't register when you do change it, the payment comes out of the wrong account. I have been a Capitol One member since XXXX. I have had at least 5 credit cards with them all in good standing up until closed. Capitol One has a system that is tricky and if you don't make sure that all boxes have the correct selected info, an error can occur. When I made my payment for the month of XX/XX/XXXX. The payment was made under the wrong account. When I saw that the payment was made from the wrong account. I immediately called Capitol One and tried to get the payment cancelled. I was told once a payment is made that i could not cancel the payment. So I logged into my XXXX XXXX to transfer money into my account, I found out that my account had been closed for no apparent reason and I wasn't even notified. I have 6 accounts with XXXX and the account was closed without notification. i have filed a complaint with the OCC regarding XXXX and this matter and I am waiting for a response. In the meantime while I was out of the country for a week, Capitol One called this fraud and closed my accounts that were all in good standing. This is the second time I have had a problem with their faulty system. There are several accounts listed that I use to pay all my bills and the first one listed is the default account. The fact that this has negatively impacted my credit rating is absolutely ridiculous. I have paid my bills on time and yet because of an error on 1 account, which I called them about, Capitol One closed all 3 of my credit card accounts, which has negatively affected my credit rating. I will also be sending a letter to my congressman because this usually gets nothing done about the situation at hand!
Product: Credit card

I have been a BP Visa credit card holder since XX/XX/XXXX. This card was a fixed rate, 8.49 % card on all purchases. Around the credit bubble in XX/XX/XXXX-XX/XX/XXXX, I received a notice from BP that gave me XXXX options : 1 ) maintain the low interest rate but now have a minimum payment equal to 5 % of the balance ; or, 2 ) continue with the 2 % of the balance as a minimum, but the interest rate would be variable - and at that time around 14.9 %. I opted for the former, even though at times that made my minimum around {$1300.00} per month. That was not a concern for me as I preferred having all that additional money applied to the principal. And, if you reviewed my history, I have never had a late payment in these past 21 years, even when that monthly payment was at or greater that $ XXXX/month. In XX/XX/XXXX, Synchrony Bank assumed ownership of my account. And, although I am sure I was provided with a communication, it was likely hidden or concealed in a way that I overlooked a drastic and insulting increase. Although all past purchases stayed at the agreed upon rate, all new purchases were 26.99 %! This, despite any delinquencies on my part and with me having no choice in the change in bank from the one I signed on with and whom provided me with a fixed interest percentage to the one now ( Synchrony Bank ) that is obviously taking advantage of some loophole to take advantage of an unknowing and unwitting customer. I have estimated the money lost which is actually a guess of what the increased interest has caused in the form of lesser amounts amounts to principal. Of course, with an ongoing balance this amount will accrue at an astronomical rate compared to my 8.49 % rate that I signed up for and have had in place since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am missing out on investments because of this problem I am having.
Product: Checking or savings account

I sell on XXXX XXXX, so I receive many checks to be deposited. On XX/XX/XXXX, I opened a savings account online at Capital One Bank XXXX Performance Savings Account. On Tuesday, XX/XX/2022, I made a mobile deposit of 12 checks. On Wednesday, XX/XX/2022, I received an email from customersecurity@capitalone360.com We noticed unusual activity on your account ending in XXXX. From Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. On Monday, XX/XX/2022, I received another email from customersecurity@capitalone360.com I called Capital One Bank on Friday, XX/XX/2022. After speaking to the Capital One representative and waiting on hold for over an hour, I was told that my Capital One Savings Account would be closed and that I would have to wait for six months until a certified check for the funds in my account be mailed to me. I can not wait six months.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Store card name : Best Buy Issue : retro-active interest on unpaid interest free balance balance = {$260.00} interest charged = {$160.00} Time frame XX/XX/XXXX to XX/XX/XXXX Best Buy is billing me {$160.00} in interest for 1 week on a remaining balance of {$260.00}. 
As the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, commonly called the CARD Act signed into law XX/XX/XXXX protects credit card holders from unfair practices. Credit card users are protected from retroactive interest rate increases on existing card balances without a minimum of 45 days ' advance notice.
Product: Checking or savings account

someone opened an account using my name i did not give permission for them to do this
Product: Credit reporting or other personal consumer reports

I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was XXXX  and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the Equifax Data Breach. 

So I am complaining because I have given the double amount of time that the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Checking or savings account

XX/XX/2019 I deposited a check for {$2800.00} into my account via mobile deposit through Key Bank. I contacted Key Bank through their 800 number and was notified the deposit was being put on a 7 day hold and to find out more I had to contact the branch manager. I contacted the branch manager at Key Bank in XXXX, OR where I banked. She was not exactly sure why the hold was placed or what was taking place. The branch manager contacted Key Banks internal fraud department and got back to me after she figured out what was taking place. She notified me the check would be on a 7 day hold, reason was the bank didn't believe the check was good and that it was a fraud. She told me as of XX/XX/2019 the funds would be available and the holds would be removed. Come XX/XX/2019 the funds deposited into my account yet then key Bank froze my entire account. I got a letter from Key Bank in the mail that stated they had confidential information believing the check wouldn't be paid out yet the funds and the holds would be removed as of XX/XX/2019. As of XX/XX/2019 my account is still frozen the check cleared and the bank from which the check was withdrawn from verified the check to Key Bank and the law firm that sent me the check also verified to Key Bank the check was good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax did not fix an error on my credit report. The contract was canceled by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my formal complaint to XXXX XXXX for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit card

American express cancelled my account without my knowledge. They charged me an annual fees, cancelled all my rewards and even when I contacted them through multiple means did not provide any information.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

Equifax doesn't offer MFA ( Multi factor authentication ) for its users
Product: Student loan

I applied for the SAVE program and was granted a reprieve from paying my loan for one year. However, all of the emails and advertising says that your payments will be {$0.00} and while they are, interest continues to accrue at my previous interest levels. So, if I don't pay anything I will rack up thousands of dollars in interest over the course of the year only digging myself further into a hole when I'm already in a hole as my acceptance to the SAVE program can attest. When I try to contact Mohela about the interest accrual, you can't actually talk to anyone. You can't email, the system will send you to FAQs pages and if you try to call them you'll be on hold for hours which just isn't feasible. They are not meeting their contractual obligations with the DOE and the SAVE program is preying upon the most vulnerable of borrowers setting them up for financial ruin by saying they don't have to pay anything when in fact they are accruing massive amounts of interest and will be in severe financial distress if they pay {$0.00} for the next year. When I attempted to pay my interest on XXXX  Mohela put it towards principal, so I still accrued more interest which then gets added to my principal and I'm stuck in a never ending loop.
Product: Debt collection

They are still emailing me after I asked them to reach out to the address they have on file. I have yet to receive requested validation of debt. I replied to the email they sent stating I have not received requested information and to please stop contacting me until I do. I reported to Credit Bureaus but they are still updating my account as accurate even though I was not supplied proof. This is an unfair business practice and a violation of my rights.
Product: Checking or savings account

On XX/XX/2020, I opened a new account with Citibank. Upon opening new account, banker then led me to branch teller to make my deposits. I handed teller sealed envelopes of my CASH deposit. She opened them in front of me then walked away out of sight for some time. I thought she would be right back with a bill counter. Instead she returned and handed me a deposit slip. I was confused because she did not count CASH in front of me ... but I was forced to leave because branch had just closed for the day. Later same day, I realize I am missing {$2200.00} from my cash deposit. 

I returned NEXT business day ( on XX/XX/XXXX ) and explained to banker ( who opened my new account ) what happened with teller/ my deposit. 

He didnt investigate the matter. Instead he brushed off the seriousness of her negligence. 

I asked him why teller walked away out of sight with a large sum of CASH? Why she didnt count it in front of me? And stated that Ive never seen this happen at any bank branch before. And how can I confirm she made a proper deposit? 

Banker replied that THIS BRANCH placed bill counters out of sight and DOES NOT COUNT CASH IN FRONT OF CUSTOMERS purposely. 

I recorded him admitting to this on my phone. 

I opened an investigation with CitiBank regarding my missing funds AND the negligence taking place at this branch. 

CITIBANK REFUSED to properly investigate this, never reached out for my evidence, closed the investigation citing deposit was correct because branch told them it was, and is REFUSING to honor my appeal! 

CITIBANK is supporting negligence and theft at this Branch by refusing to do a PROPER INVESTIGATION and by ignoring my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX as a collection and as an account that was bought by a third party. Not only is Experian reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Checking or savings account

I was discriminated against because Im a woman by two male XXXX XXXX, Branch XXXX & XXXX XXXX, Personal Banker today XX/XX/2021 around @ XXXX. He demanded extra documents. I was never making changes. I gave my drivers license my military ID. Hes forcing me to do what I dont want to do. He, XXXX claimed that I was denied before for credit but refused to provide documentation when requested. He refused to give list of what hes asking for. He just rattled it off verbally. This my 2nd visit to open a tenant/landlord account. Ive been with over 30 yrs with several accounts, personal & business & treated like garbage!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and let them know that my credit report is showing the wrong person 's information on it and needed help fixing my credit report information. The gentlemen on the line told me that I was wrong and everything matched on my credit report. Not only am I looking at it in the computer but my refinancing company is questioning and requesting proof on accounts that are not mine, I called one of the credit cards on file and they verified that it was the wrong XXXX. My date of birth, addresses, social security number, jobs, loans everything is mixed with someone who has the same first name but different everything else. He refused to help me so I had to file 9 different requests there were too many for me to file all on line. I sent a copy of my ID, SSN to show them they have the wrong information. They sent me a letter with the other person 's information telling me the problem is fixed. Yet, all the information remains mixed up. I need assistance in fixing my credit report it's messing up my credit and delaying my refinancing.
Product: Credit reporting or other personal consumer reports

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
Equifax is re [ porting as paid as agreed but has it listed as a charge off XXXX is reporting this debt continously for each month and is against the law
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX reported my nonpublic personal information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from the institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting the method each consumer reporting agency use to investigate this account