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

I have two credit cards with Capitol One. 
I have a membership with XXXX XXXX XXXX. 
During the last 60 days XXXX XXXX applied two charges to my credit card. 
Capitol One called this fraud. I disagreed, by acquiesced. 
Capitol One shut down the card and sent me a new one. 

XXXX XXXX began billing the other card. 
Again the second charge was billed to my account. 
When I tried to correct this redundant charge with Capitol One-two representatives hung up on me and I was disconnected by the system once. I started calling Capitol One at XXXX on XX/XX/20 it is now XXXX. 

The charge by XXXX does not fall under the legal definition of fraud. It is company ineptitude. Capitol One will not help me resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against Equifax, XXXX and XXXX. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the Equifax, XXXX and XXXX are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau XXXX  XXXX XXXX  {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2018 EQUIFAX XXXXXXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXXS XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX bank {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : XXXX XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and associate general counseXXXX XXXX XXXX XXXX XXXX Vice President XXXX corp XXXX XXXX XXXX fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/
Product: Checking or savings account

U.S. bank at address XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX United States around XXXX or XXXX I went to deposit {$600.00} in my bank account, they didnt deposit my funds or gave it back, they gave me a receipt and that same day I went home and they told me it would take 10 days or up to 45 days. They cant speed up the process that money is towards my bills. 10 days I call back because I dont have my money yet or any update I call them and they say it was denied. They said they send a mail but I didnt receive anything. They are basically stealing my money rent is due and many more bills to pay and I find it unfair how they cant speed up the process to get my money faster or why I was denied I gave them all the information on the receipt.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. 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. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX date last active not reporting correctly shows date of XX/XX/XXXX on Transunion also shows as and open account no active status. XXXX shows last active date on the account as XX/XX/XXXX XXXX shows account type as collection I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX XXXX XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.
Product: Credit reporting or other personal consumer reports

On my credit report with TransUnion it shows XXXX  XXXX with XXXX late payment from XX/XX/XXXX XXXX  with XXXX late payments from XX/XX/XXXX & XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Equifax, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or XXXX XXXX  is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from XXXX  XXXX  guarantee, and or outstanding, Good, and Excellent. Example : All XXXXXXXX  card require that your application for a credit card be your first or second hard hit, if you have XXXX hard hits and apply for any XXXX card you will automatically be denied. I have XXXX hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or 4.8/5 stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.
Product: Credit reporting or other personal consumer reports

15 USC 1681i : Procedure in case of disputed accuracy PLEASE SEE ATTACHED DOCUMENTS I SENT OVER EVERYTHING XXXX to XXXX WHY ARE THEY USING MY CONSUMER REPORT HOW EVER THEY WANT THE DELETE AND ADDIND ITEMS BACK TO MY REPORT STRESSING ME OUT WITHOUT MY CONSENT CAPITAL ONE HAVE NOT ONCE CALLED OR CONTACTED ME ABOUT THIS FALSE CREDIT CARD INFO I WILL LIKE EVERYTHING PERMANENTLY REMOVED FROM MY REPORT THATS HURTING MY CONSUMER REPORT IF NOT I WILL TAKE LEGAL ACTION ii ) Notice to creditors If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency YOU NEVER CONTACTED ME 5 days prior to any thing A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation
Product: Checking or savings account

on XXXX XXXX XXXX of 2024 ( Monday ) i opened a business account with my banker XXXX XXXX at XXXX XXXX XXXX. a couple days later on XX/XX/XXXX of 2024 is when i reported fraud on my account- stating that someone obtained my account information through a fake website and was depositing fake checks in my account i took the initiative to contact chase to report that fraud and to file a claim about a couple days later i called to get the status of my account they told me that one check has been returned and they will adjust my balance because multiple fraudulent checks was deposited XXXX XXXX XXXX the same day i asked to speak to a supervisor to see if i can open up a replacement account they told me that i can which i got that account opened on the XXXX XXXX XXXX and that account was later closed because they told me that i would have to wait until the other account was in good status and the checks to be returned and another supervisor told me that. fast forward XX/XX/XXXX of 2024 i called to get the status of my account they told me everything was good with the compromised account and it is now closed and chase has decided to end the relationship with me and i can't open up any accounts in the future and that is not right because this is not my doing i reported everything and everything was document if they do father investigation they can see that when those checks was deposited that was not my IP address i called to report everything and now i am being held liable and can't open up anymore accounts this is ridiculous and i will be filing a lawsuit in another month
Product: Debt collection

Subject : Complaint Against XXXX  XXXX XXXX XXXX  for Fraudulent Activity To Whom It May Concern : I am writing to formally file a complaint against a business identifying itself as XXXX XXXX XXXX XXXX. I believe this entity is engaged in fraudulent and deceptive practices based on the following : * Date of Interaction : XX/XX/XXXX, at approximately XXXX XXXX  * Initial Contact : My sister, XXXX, was first contacted and provided me with a case number and the firm 's contact information. Before I could respond, I received a call from ( XXXX ) XXXX from a man claiming to be hired to serve me legal documents. He then transferred me to XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. 
* Firms Claimed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Name ( XXXX ) of Individuals Involved : Not provided Nature of the Complaint : The firm claimed they were collecting on a {$3500.00} debt related to a Cash Call loan from XXXX. They referenced my full Social Security number and stated I had missed a court date. I was told I could settle the debt, under legal threat, by paying them directly. 
This is a clear scam. Cash Call has been out of business for years, and I paid this debt off in XXXX through XXXX. Over the last 18 years, I have received multiple fraudulent calls ( approximately four ) from different entities claiming to collect on this same debt. The first two times, I paid the second of which was legitimate. However, these continued attempts are fraudulent, and this latest version seems to be the most aggressive. 
During my call : * I was refused the firms address until I gave them my case number. 
* When I asked for a court case number and hearing date, they stalled and changed their language to say the number was an " internal file number. '' * When I said I couldn't find any court record under the case number they gave me, they hung up on me. 
Further red flags : * The phone number ( XXXX ) XXXX is marked Potential Spam online. 
* The case number provided ( XXXX ) does not exist in the court system. 
* Their representative dodged multiple requests for basic public information, like court filing details or their legal credentials. 
I have recorded much of the interaction and saved call logs and screenshots. 
This is not just about my personal experience. These scammers are likely targeting others, particularly vulnerable populations like the elderly, using personal data like Social Security numbers to coerce payment for false debts. They are impersonating a legitimate law firm and leveraging fear of legal action to scam money. 
I request that your office investigate and take appropriate enforcement action against this organization. This ongoing predatory behavior must be stopped. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX
Product: Checking or savings account

On XX/XX/2021 my wife tried to deposit it check in both of our names in to my account and she was denied services because her name name was not on my account, but she was allowed to deposit the check into her account. This did not make sense to me. I do not know if my wife lied about the transaction or the bank helped a woman over a man. The bank did not give me a acceptable answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX  {$8500.00} Opened XX/XX/XXXX, XXXX XXXX {$15000.00} Opened XX/XX/XXXX, XXXX XXXX, IN {$15000.00} Opened XX/XX/XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card

My roommate received a pre-approved notice from Barclay Bank for a credit card. We have the same address AND he is an authorized user on my current Barclay Bank Delaware credit card. 

He submitted the application, however, they claim the letter was meant for me and they used my SS # to pull the credit report. 

He contacted them and they explained the reason it was n't approved ( no big deal ) was his name did n't match my SS #. 

He was provided with a ref # XXXX so that I could call and have the inquiry removed from my credit bureau since this was obviously an error on their part. 

I called and got nowhere.
Product: Credit card or prepaid card

I had been browsing the internet and a servicman is eligible for help with Capital One Bank even if not presently serving the military but another alternative for a Veteran as myself but not approved after stating I would hear from the bank in days as approved but misleading not exactly stating in words. A Veteran is never to be denied a benefit when in need financially but I was by Capital One Bank. There was guarantee of financial assistance with Capital One Bank because of serving your country now disapproved. It may have been thousands of dollars offered which is needed but they don't want you to have the money offered an injustice to me as a Veteran and senior citizen of the United States of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX MO XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX WA, 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. 

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 ) section states : 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: Bank account or service

I called Chase bank which is where part of where I have part of my payroll check is deposited because they closed my acct without notifying me my disclosures do NOT state that no notification
Product: Credit card or prepaid card

I thought I was getting a free bag by paying shipping 5 days later my card was charged {$67.00} I contacted cash app and was told they will not do anything cause the charge is pending on my account I then contacted the company premium gadget collections they said I had to go thru my card company I have continued to reach out to cash app to no avail all this happened on XX/XX/2023 I live on a limited income I can not afford to lose money like this
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXXXXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Mortgage

I am trying to find out about my settlement from Wells Fargo. My home was foreclosed in XXXX. I was approved to do a short sell and my agent has several buyers but Wells Fargo refused to accept any offers instead preferred to foreclose. They sold my property to the same person who tried to buy during short sale. They sold it to him for {$20000.00} less than he offered to pay at short sale. I have letters I sent Wells Fargo. I spent countless hours trying to get the issue resolved. It ruined my credit for years. I was never informed of any class action and I have not received a XXXX. My loan number was # XXXX under XXXX XXXX. I also filed a complaint with scconsumer.gov in XXXX with no response and again in XXXX. I have my emails. Please help me. Ive lost thousands of dollars due to this hardship.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$940.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REFER TO CASE # XXXX. I submitted a claim to Experian 's fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  These items were not removed despite my demand. it is your grave responsibility to report fair and accurate credit information. Furthermore, I am unable to utilize my credit and it has damaged my reputation in the process and has caused stress and XXXX XXXX XXXX. Please remove these accounts from my credit report or I will have to proceed with further litigations
Product: Checking or savings account

1099 is incorrect. Bank withheld over {$400.00} from interest XXXX said it was fir XXXX Income Taxes. 1099 does not report the withholding or even the correct interest. I have been trying to get this corrected since XXXX. 
I vane made NUMEROUS phone calls and even written them a letter - no response. Is the lack of service and the illegal withholding of funds and not reporting the withholding common for MARCUS? 
My next step if you do not get results is to file criminal charges. 
I do have statements and other information to support these complaints.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX  Balance : {$25.00}