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

This is not a duplicate. My complaint is that Capital One is lying in their letter of XX/XX/2020. They are claiming that the issue has been resolved and it has NOT. 

Please CFPB do not close this case until it has REALLY been resolved, not just when Capital One says it has been resolved. 

Capital One obviously did not read my response - despite what they say, I am still NOT able to log into my account. " Capital One 's letter dated XX/XX/20 states that " Our records indicate that you were able to reset your password on XX/XX/2020, and you successfully accessed your account on XX/XX/2020. '' Yet Capital One 's letter dated XX/XX/20 states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/2020, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. ''
Product: Checking or savings account

On XX/XX/ 2024, I received an email from Chase bank stating that a replacement debit card had been issued to me. I had not requested said card. On XXXX XXXX XXXX my wife received an alert notification stating that the account was overdrawn. 
Upon inspection, we noticed three ( 3 ) ATM withdrawals at the above mentioned branch, and one charge at a gas station in XXXX XXXX, AZ. My son 's linked account was also accessed at teller number one, at XXXX. His claim number : XXXX. My wife called and spoke to the bank manager and he confirmed the transaction, as he was the one at teller number one. 
We immediately contacted the bank 's fraud department and worked with them to cancel the card and issue us a new card. 
Claim number : XXXX The bank manager, XXXX, suggested we file a police report, which we then did ( Case number XXXX ). They have camera footage of the perpetrator. According to Chase Bank I need to get a subpoena to get access to the video. They state that according to their records there was no fraud perpetrated. I have proof that I was nowhere near any of the locations at the time of the cash withdrawals. 
I reported the incident to the XXXX XXXX XXXX  and the bank reached out to me thereafter in response. 
To date Chase Bank has not resolved this according to my satisfaction.
Product: Credit card or prepaid card

I made a reservation at a kennel for our dog, but a week prior to the booking we were forced to cancel plans because of illness. I texted the merchant, because I was told texts were the preferred means of communication. I informed her of the cancellation, and she thanked me. Subsequently, and without informing me, the merchant in question ( XXXX XXXXXXXX XXXX XXXXXXXX ) charged {$250.00} to our card as a deposit fee. My card details were on record from a previous transaction, but were not approved for this transaction. The only communication was by text and I did not receive notice of the charge until my cc statement arrived. I requested a refund but they would not refund any portion. Their claim was that this was the policy during school holidays. The week in question was not a school holiday. 

I opened a dispute with Citicard. I provided documentation of cancellation as requested, in the form of the text exchanges with the merchant. I was subsequently told that Citi could not resolve the issue in my favor because I had not provided valid proof of cancellation. I followed through with a phonecall to Citi 's Dispute Resolution Team and was told they received my documentation but would not consider it valid, but could not say anything further, even when I told them that text messages were generally admissable in courts, so I was confused by their denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the 2nd time I have tried to get Experian to correct their information! I filed chapter XXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX I have previously provided a copy of the discharge to you in my previous complaint
Product: Checking or savings account

XX/XX/XXXX - {$100.00} taken from checking account by Covered CA XXXX Westlake Portfolio Management.
Product: Credit card or prepaid card

On XX/XX/XXXX my Chase Visa Card was charged 77 ( seventy seven ) times with unauthorized charges. 76 ( seventy six ) of the charges were for {$200.00} each ( XXXX XXXX ) to  the same merchant. One charge was for {$600.00} ( XXXX XXXX ) to a different merchant. 
I called Chase in XXXX of XXXX immediately after I made the discovery of the charges. They subsequently removed the charges from my account. On XX/XX/XXXX Chase called and said I will have to pay the charges. They were not on my XX/XX/XXXX to XX/XX/XXXX statement but I do see the amount as of today on my Internet statement. 
Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my information to obtain credit card with XXXX XXXX and XXXX. I have contacted these companies and spoke to their fraud department and was advised to file a dispute under fraud. These accounts are reported as closed. XXXX account number partial reported is XXXX and XXXX  account number partial reported is XXXX. These fraudulent accounts need to be deleted from Experian, XXXX and XXXX I have already submitted my FTC fraud affidavit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




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 XX/XX/2023 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: Checking or savings account

At the beginning of XXXX I was charged twice by the same merchant for the same service. So because the Merchants resolution process could take up to 90 business days I called my Bank Credit Karma Money Spend Account ( MVB Bank ). I notified them that I wanted to file a dispute for the double charge and provided them with the evidence of these duplicate transactions. Upon doing so my account was immediately locked or frozen, then several days later I recieved a notice via email that my account had been provisionally credited for the amount pending the remainder of the investigation. The only issue is that my account remained locked and completely unusable and has since that date. I never received an alert, a warning or a notice that my account was being locked or reviewed. No one contacted me and has not reached out to me since. When I contact customer support I am told the same answer every time. " We can not see any information about your account but it is under review by our " higher team '' and this " Higher Team '' can not be contacted by phone or email. They will reach out to you within 10 business days with a response or resolution about your account. Well its been over 45 days and my account is still locked, all the money i had was in that account and I have a family to take care of. I have since received several emails saying my account is still under review and other emails stating that my account is closed and the money would be sent to my linked external checking account within 5 business days. Still nothing. Still no response or details, this just can not be legal. I need someone to look into this, after reading up on my situation online I can see that thousands of other people have had the same experience. It's time someone puts a stop to this, its not ok. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

account is inaccurate In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for XXXX purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a letter was sent to Conns regarding a 30-day late payment that they reported on my report for XXXX XXXX. This account was in good standing prior and is current today. 
I had called the customer service to let them know due to the covid pandemic, our household income was affected. They assured me as long as the payment was made current I would not be reported late. I still have received zero response from them, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current.
Product: Money transfer, virtual currency, or money service

I saw this offer from XXXX about used XXXX XXXX pro for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured XXXX payments, {$350.00} for him to send the phone, {$150.00} after he mailed the phone, and {$100.00} after I got it. He sent me a XXXX XXXX number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.
Product: Checking or savings account

I am trying to withdraw my money from my XXXX XXXX. I get to the last step, stating " complete transaction '', when the application requests my photo and Drivers License photo, I have submitted my ID and live photo, to which the app states, " sorry, we can not confirm '' - The next step is to contact customer service, which is online only. The chat states open and the message XXXX XXXX We'll notify you when an agent joins. However, an agent never joins. I have tried now for XXXX days and been waiting on the current chat for more than XXXX hours without success. I searched the customer service phone number and it states to use the online chat only. 
This began on Friday, XX/XX/XXXX at XXXX XXXX  XXXX and has continued without resolution as of XX/XX/year>XXXX XXXX XXXXXXXX XXXX  XXXX. I can still make minor settings changes to my abbount and XXXX will immediately email me of the change. However, they will not allow me to access my money. Strangely enough, they will still allow me to deposit money.
Product: Mortgage

I took out a mortgage in XXXX with XXXX  as nominee for XXXX XXXX recorded in the XXXX  County Registry of Deeds in book XXXX XXXX XXXX. Then there is a XXXX assignment from XXXX to Bank of America recorded in said registry in Book XXXX XXXX XXXX. Then when the loan was paid off and was discharged by XXXX who no longer had the mortgage. See purported discharge recorded in said registry in Book XXXX XXXX. So the mortgage is still outstanding. Bank of America refuses to record a discharge even though they tell me they have the authority to do so. I spoke to XXXX who spoke to her Supervisor XXXX who should be fired. The phone number we called was XXXX - XXXX XXXX. XXXX said they were the correct department.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/2024 and XX/XX/2024, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, Experian, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Bank of America is suffering a systemic breakdown during their mortgage software conversion. I have had to contact B of A 7 times with typical hold times of over an hour. The result of these calls leads to no action by B of A. 

B of A has made 5 incorrect entries in my account within the last month, they have corrected 4 of them. 

On XX/XX/20 I made my normal monthly payment, {$220.00}, and B of A immediately reversed it labeling it as " Misapplication Rev '' and adding it back to my outstanding balance. 

In essence I paid it and not given credit for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA. 
RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.
Product: Credit card

On XX/XX/year>, my family and I were returning to the United States from XXXX. We had a layover in XXXX, but due to a flight delay and a terminal change, we missed our connecting flight. British Airways rebooked us at no additional cost, acknowledging that the disruption was their responsibility, and provided a complimentary hotel room for our two-day stay. They also sent a letter apologizing for the inconvenience. However, we did not have access to our luggage, forcing us to purchase necessities out of pocket while in XXXX. When we finally boarded a flight to the United States, we had a stopover in XXXX. Unfortunately, we missed our connecting flight to XXXX as only 4 of our 14 bags arrived in XXXX, which required us to stay overnight in a hotel, again at our own expense. Upon our eventual arrival in XXXX, none of our bags had arrived, so we had to purchase additional basic necessities until our luggage was delivered. Since this journey, we have filed XXXX complaints with Chase credit card, providing detailed documentation and receipts for all incurred expenses. However, Chase has informed us that they require the reason for the initial delay from British Airways to process our claim. Given that British Airways rebooked us at no cost, this alone should serve as sufficient proof of the reason for our extended stay in XXXX. Despite our efforts, we have not received any reimbursement for these expenses through Chase or British Airways. When we got to XXXX, our XXXX bags did not come for 5 days, so we had to buy stuff. We were XXXX passengers, and we are each entitled to {$100.00} per day per person, and we did not use all of these, and chase bank still will not refund us even though I exclusively pay for the credit card travel insurance. we contacted british airways for the proof but they did not response.
Product: Payday loan, title loan, or personal loan

I got a personal loan from Wellss Fargo XX/XX/XXXX XXXX. All payments made on time never late. On the third month of paying I added {$200.00}. To pay on principal. They took interest of of that {$200.00}. And applied the remainder to principal. Again they did that the following month and I contacted the XXXX and the bank applied it where they should. Again XXXX I paid another {$200.00}. Out of that {$200.00}. They took out {$190.00}. For interest and applied {$9.00}. To principal. Thinking they would apply it like they advertise. They claim to take care of their customers but they are stealing from me. Ive called on this and they tell me they changed the practice and I never agreed to something like this. I have a balance of {$13000.00} and they made it to where their advertising doesnt go along with their practice. I need this straightened out. Im on a fixed income and a budget to where we both can benefit if they were honest. Please help me out with something that not only my be me. All their customers most likely are going through the same thing. Thank you.
Product: Debt collection

A third party collection company is reporting an alleged debt to the credit reporting agencies. They never sent a notice of attempt to collect or right to dispute, nor any communication whatsoever. I only learned of the activity while checking my credit score. Also, they are reporting the same alleged debt XXXX and attempting to collect XXXX for the same alleged debt, which is related to a medical bill which was previously paid by insurance then reversed recently after my former employer illegally rescinded the policy and retroactively cancelled coverage by more than a year. The matter is currently under investigation by the EEOC, USDOL, XXXX and pending civil litigation.