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

This is in response to Capital One'sletter to me via XXXX  to clarify why they randomly closed, reopened and then closed the bank account that I and my brother share in XXXX XXXX XXXX . My brother, who is XXXX went to the bank at the first of the month as he always does. He was told his account had closed. They was no attempt to rectify or explain. He had benefits check denied by the bank and then sent back to various governmental agencies and for the three months we have tried to track them down to resend. We are still out {$87.00}. If XXXX XXXX XXXX couldn't figure out how to re open the account we thought the XXXX XXXX XXXX branch could. Not. Worse yet they said they could. There were some good guesses as to why it was closed in the first place. Minimum at XXXX dollars for 4 days, maybe?. Accident? Glitch? Corporate tried to reopen it too. They opened and closed account twice in three days. All the wile governmental checks coming in and being rejected.. After dozens and dozens of calls to SSA, corporate, local banks I was still at square one a month later. I finally found CFPB which I hoped would investigate and deal with Capital One accordingly. Apparently not. They simply put me in touch with someone at the bank and act as a mediator. Sort of an anonymous and non threatening way for Capital One to receive and respond to complaints. " XXXX '' responded in writing to my first detailed complaint to CFPB. His letter indicated no last name or title and I'm not even sure where it came from? It does however read in summation '' " .. We may close any account in our sole discretion at any time, for any or no reason and without noticed to you.. 
noticed? have to love the person who edited this response. ) I called several times before he answered. XXXX reiterated this disclosure, disclaimer information. He was sorry his employees couldn't provide me with the Rules of Accounts from when I opened it but he would send one now. He was " also sorry for the miscommunication and incorrect information from both corporate and local bank and the lapse of procedure in notifying my brother of the pending closure .But once again, given the terms of the bank 's responsibility they can do whatever they want whenever they want. Its bad enough that they have this privilege but given their incompetence and this lack of accountability this is just a recipe for disaster waiting to happen to your bank account!!!!!. RUN from Capital One!!!
Product: Checking or savings account

O On XX/XX/XXXX, we went into the bank to make a deposit into our business account. We were informed that our account was frozen on XX/XX/XXXX. We spoke with the bank and they shared that it was an inbound wire transfer that was flagged as fraud. We then spoke to Business partner and XXXX XXXX sharing that it was a mistake. There was a naming nomenclature issue on our business partners and but it had been resolved at the XXXX XXXX and we are now XXXX  days in. Have missed XXXX payrolls on our small business and have had multiple employees quit due to the fact that {$300000.00} of our money is tied up as of today XX/XX/XXXX we have had XXXX phone calls with truest and still being told that we can not have our money or any information. It is urgent that we get some help as our small business and our family are about to be on government well truest is not being helpful or disclosing any information and I do not understand how they can freeze my business money and my personal money all in one swoop and not give me any information in XXXX
Product: Credit reporting or other personal consumer reports

On XXXX i filed a complaint with CFPB company responded XX/XX/year> ( Eastern Account Systems ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA Violations.
Product: Payday loan, title loan, or personal loan

I have had a Pay Pal Line Of Credit account for a number of years, and my account has always been in good standing. I received a notice in the mail that my account is being transferred, and my interest rate is also increasing. My account is currently with XXXX XXXX, and it is being transferred to XXXX XXXX effective XX/XX/XXXX. The notice gave no explanation for the change. It just gives the new terms and conditions, but no reason given as to why my account is being transferred. Yesterday I talked with a rep from Pay Pal Credit, and this is what he told me. Pay Pal is changing banks to make it more fair for everyone by using the Global Market Interest Rate. I said I had my account for a number of years, and in good standing, and you are increasing my interest rate. This is not fair. He said sorry you feel this way about us wanting to make it fair for everyone. What's fair about increasing my interest rate. It's not fair. My current rate is 19.9 % and it is increasing to 25.49 %. 
I recently paid off 3 of my accounts that were associated with XXXX XXXX  totaling over 9 grand, and I still have 2 accounts to go, but now I am going to have 3. As a matter of fact I filed a complaint with the XXXX against XXXX XXXX in XXXX. After paying off my XXXX account and closing it someone took an unauthorized payment of almost {$200.00} from my checking account. Because of the lame excuse I got from the bank made me believe that someone tried to steal from me, and I reported it. I know I can pay off my balance of {$1500.00} to avoid the higher interest, but I am unable to after paying off the 3 accounts that I just paid off. XXXX XXXX 's interest rates are very high, and when you pay off and close an account they get kind of angry, and act like you can't close your account. 
What makes me so angry not so much as transferring my account ( in this case it does because of the bank it is being transferred to ), but because of my interest rate going up. I just feel this is so unfair for those of us who's accounts are in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

There are accounts on my credit report that I dont recognize and suspect were added fraudulently. Kindly take steps to block and delete them.
Product: Credit reporting or other personal consumer reports

Equifax will not admit they lowered my FICO score for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, Equifax and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

Citi is discriminating against me because I am XXXX and have been unable to work since 2015. 

I was retired from XXXX XXXX at that time, and despite providing documentation to CITI that I have over 30 years of positive credit history and after proving to them that I held a CITI card previous to my disability, CITI has refused to acknowledge my current credit-worthiness and continues to deny me a credit card. 

I can come to no other conclusion, but that CITI is refusing to grant me credit because I am XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Jefferson Capital LLC, a 3rd party organization, emailed me about a debt they were attempting to collect. They have submitted this illegal reporting of debt to credit reporting agencies and have caused a derogatory mark on my personal credit without legal clearance. This continues to be an ongoing issue and I have first reported this mal-practice back in XXXX with the Consumer Financial Protection Bureau XXXX My original complaint number is XXXX. Here is my original statement of facts that I continue to stand by today : On XX/XX/XXXX I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XXXX XXXX final balance was {$500.00}. I have spoken with a variety of sprint representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account! 

Please assist me with getting this new agency, Jefferson Capital LLC, and any new 3rd party business hereafter who attempts to try and defraud me out of monies that they have no right to. XXXX is no longer in business and I continue to be harassed by 3rd party companies. For several years this derogatory mark have not been present on my credit report and I am appalled to see it reappear after so long- especially with it holding no merit.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has either corrected not removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

- XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} - XXXX XXXXXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I got an email from Experian stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by XXXX. They refuse to do so. 
This is misleading advertising.
Product: Credit card or prepaid card

On XX/XX/2018, the day before my mother died, I made a purchase in the amount of {$100.00}. Due to the stress and attention required to settle my mother 's estate, I was three days late paying the amount in full. I asked for leniency due to the circumstances. I continued to ask for late fee to be reversed ; I am now being charged fees and interest on that original late fee. I am getting at least a half dozen phone calls a day - which I consider harrassment - from XXXX XXXX. I paid the balance I owed. They could very easily have forgiven the original late fee. This was a new account and I only made this one purchase with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to fix/repair my credit. I have been using XXXX XXXX. They suggested me an offer for a XXXX card with outstanding approval rates for XXXX XXXXit card. No credit limit was give, only a {$59.00} annual fee as opposed to the {$75.00} fee that had a line struct through it. in addition to XXXX XXXXXXXX  card company sent me an email for a {$700.00} approval. So I applied. I immediately received an email that I was approved and my card works be mailed to me XXXX days. Upon receiving the card I called to activate it. At that time I was notified that my credit limit was {$300.00} not the {$700.00} extended to me via email. I immediately expressed my concern and displeasure of being lied to about the credit limit and annual fee. They stated after running my credit they decided to decrease the credit limit. 

I called XXXX over XXXX  times to resolve this issue. I was told someone would call me back last XXXX. That didnt happen. I called back last Wednesday. They said someone would call me back by the end of the day. That didnt happen. I called them back last XXXX only for them to give me the same spill about credit. The letter they sent me did NOT say with approved credit, nor did it say a specific XXXX XXXX, nor did it say based off a certain XXXX XXXX. I would have never applied. 

I was constantly hung up on after asking to speak with a XXXX daily. I informed the company that legally you can not extend an offer then take it back after the application process is complete. I offered to email them proof of the offer. They stated the can not receive outside emails. I reached out to XXXX XXXX who stated the can not assist me with the issue then referred me to the XXXX credit reporting agencies, whom I have reached out to as well. With no help with them either. I also fooled a complaint with their sister company XXXX XXXX. I have yet to hear from them. This surely can not be legal. 

The only solution
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00}
Product: Debt collection

I'm being harassed by mail and phone call by Jefferson Capital Systems LLC a collection agency on a bill from XXXX a phone company that I have never used in my life. Not only are they accusing me but my father because we share the same name.
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I applied for a credit with XXXX XXXX through XXXX. I spoke with XXXX XXXX and he informed me my application was approved for a corporate account without a personal guarantee so he did n't get my personal information only my business information concerning my XXXX application ... He sent me the terms of the lease and also told me my application was good for 90 days ... on the same day I went back online and applied through XXXX XXXX ( not the XXXX site ) for a XXXX XXXX loan ... at that time the application asked for my personal credit information and I supplied it within the application ... within a few minutes I received a confirmation email saying my application was still processing and if I wanted and update I should contact XXXX XXXX in which I did to get the status of my application ... XXXX XXXX responded back stating that my XXXX application was not approved because of my personal credit, I immediately sent him a email back stating my personal guarantee information was only authorized for my XXXX XXXX loan and that I did not authorize my personal credit to be used in determining my XXXX Application ... he preceded to tell me that my personal credit could n't be ignored now even though it was n't originally authorized to use on my XXXX application ... due to what I feel an error on XXXX XXXX parts now I wo n't be receiving my XXXX products because he took it upon himself to combine my applications after he looked over what he really should not have been concerned with and only been concerned with my working XXXX application and not my XXXX application!
Product: Debt collection

USAA credit card account is reporting on my report and it is not mine did NOT apply for this account nor is this my debit this account is hurting my credit and USAA refuse to dele this account i have tried to communicate with them with letters and phone call and they keep reporting this account as mine.
Product: Credit card or prepaid card

I was placed XXXX XXXX having no access to bank accounts and the bill to kohls was notified and sent to collection agency. Upon my Arrival to the states I now have poor credit and double the late feee of the card itself. And. Nobody will help resolve the issue I have no problem paying the XXXX $ cArd however serving our country and notifying them I should not be charged an extra XXXX $!!! With a derogatory remark on my credit.
Product: Debt collection

This company Medical Data Systems , Inc. is attempting to collect a debt that I do not owe them. I have signed no paperwork nor agreed to anything with these people. Moreover, this debt was previous removed and now replaced back on my credit report causing me great financial harm.
Product: Credit card or prepaid card

I was traveling on vacation with my family. Our car got broken into in XXXX XXXX across the XXXXXXXX XXXX and my wallet was stolen. This occured on XX/XX/2023. My credit  cards were all swiped at XXXX XXXX XXXX CA  ) and I got messages on my phone at XXXX XXXX. I immediately called Bank of America ( my credit card company ) immediately and disputed a {$370.00} charge at XXXX, and filed a fraud claim with them in addition to reporting my card stolen. The thieves tried to swipe the same card for XXXX $ which was declined. 
I subsequently filed a police report with the XXXX XXXX reporting all my stolen items including my laptop and passport. 

BoFA  got back to me and told me that they were investigating my claim. They initially credited the XXXX $ back to my account, but after 10  days, they've closed the investigation and taken it out of my account again. 

Their resolution letter reads, " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I am attaching the police report and Resolution LetteXXXX from BoFA to my complaint letter. I am also attaching photographs of our car with the window smashed ( with time-stamps ).