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

On XX/XX/2023 at XXXX am, I stopped by this ATM at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw {$400.00} in cash on my Paypal debit card. The machine gave me a receipt and my card, but did not dispense any cash. On the receipt, it clearly states " Transaction Denied '', but I received an immediate notification from Paypal that the money had been debited from my account. I reported this immediately to Paypal and they opened up an investigation. I also called XXXX XXXX XXXX to report the malfunction, but was told that since I'm not a member of their bank, there wasn't anything they could or would do for me. They suggested I contact Paypal, which I had already done. Days later, Paypal made a temporary/provisional {$400.00} deposit, pending their investigation. Shortly thereafter, I received an email from Paypal telling me that XXXX provided logs of this failed transaction and they were satisfied with the verbal guarantee that the money was actually dispensed and the case was closed. I requested that the case be re-opened and that XXXX needed to provide an ATM log AND video of the transaction. Paypal re-opened the case, but immediately closed it, stating they were satisfied with the proof XXXX provided, although I have seen no proof at all and I have this little ATM receipt saying " Transaction Denied '', along with my Paypal log of the same transaction. I went to the XXXX location and asked to speak with a manager. Not only was I denied access to a manager, but they also declined to produce or provide ATM logs or ATM video of this transaction. After submitting a complaint to the XXXX, XXXX contacted the 3rd party ATM company and they both reviewed the ATM audio/video/logs of this transaction and, by their own admission in a letter to the BBB, found that the cash was NOT dispensed and their logs showed the discrepancy. They issued a refund to my card on XX/XX/XXXX, but that refund has not been credited to my PayPal account. I reached out to PayPal, but they insist they reviewed evidence to the contrary and are not only refusing to credit my account with this refund, but they have also deducted the original provisional credit amount of {$400.00} from my account, putting my account in the negative. When I asked the PayPal representative for the evidence they are referring to, he gave me an address and told me I have to request that information via a letter to their Billing Error Department, which I sent priority/signature confirmation through USPS. One of these banking establishments isn't being honest in this case, and since XXXX has responded with apologies and a refund, I can only surmise that PayPal is the culprit. How do I proceed from here? Please advise and help!
Product: Payday loan, title loan, or personal loan

I entered a loan with XXXX XXXX ( Duvera ) in XXXX when purchasing a puppy from XXXX in XXXX of 2017. The details were {$2500.00} loan with $ XXXX monthly payments with no interest. However as I look at my account there is an interest rate of 151 % and they have put my balance at {$2400.00} while I have paid {$1500.00} and they have charged me for {$1400.00} in interest. This is not correct and I was informed multiple times there was no interest. I have called XXXX and they have said they can do nothing about the interest accumulated and were very difficult to even talk to.I told them that I was told there was no interest when agreeing and asked what can I do to finish paying off my loan with no interest like we agreed upon. I am unsure what to do now. I want to pay off the remaining {$900.00} I owe on my loan but will not pay the {$1500.00} plus in interest that was never talked about or agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, 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 in account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan is late for any purpose.
Product: Checking or savings account

I am writing to express my concern regarding my account, which has been overdrafted multiple times due to late payments and overdraft fees. This situation has increased my bills and made it challenging to keep up with rent payments. As a result, I am currently behind on my bills, as funds that should have been in my account are missing. I would appreciate any assistance or guidance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy.

To Equifax Recently I did an investigation on my credit report which caused my XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( 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.

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

8. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 





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

THIS ACCT DOES NOT BELONG TO ME FRAUD
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 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. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Checking or savings account

On Thursday, XX/XX/ at about XXXX PST I tried to purchase concert tickets and my debit card was declined. I checked my checking and savings account and noticed there was a balance of {$6100.00} in savings and $ XXXX in checking, but the available balance in both was {$0.00}. I immediately called capital one customer service and was informed there was a legal hold put on my account, and given contact information for the agency that had placed the hold. My notes from this initial interactions follow : ssuing West Virginia state tax department compliance division Legal case # XXXX XXXX # XXXX Placed account balance hold of {$500.00} on account XXXX {$6100.00} on XXXX Total {$13000.00} XXXX Legal hold? 
Need to call them! 

On Thursday, XX/XX/2023, at XXXX PST I contacted a XXXX XXXX XXXX at the number listed, and after running my social security number realized that I was not even in the West Virginia taxpayer system, therefore the levy was not intended for me. I called to capital one and escalated to manager XXXX the updates, and she said she would look into it. At this time XXXX XXXX in West Virginia had contacted capital one and sent verification of the levy and the innacuracy of the hood on MY account to the levy and garnishments division at the fax number listed below, at XXXX EST ( XXXX PST ). I spoke with capital one again, again escalating to a manager that stated they are not allowed to give out direct numbers or last names. Notes on that interaction are as follows : Spoke with XXXX, manager ( notes on account ) Levy team fax number XXXX XXXX XXXX Attn : levys and garnishments Physical address ATTN : levys and garnishments XXXX XXXX XXXX XXXX, VA XXXX shortly after this, the status of the funds had gone from {$0.00} available to {$0.00} and a transfer from the amount in checking ( {$480.00} ) to savings, with the sum ( {$6600.00} ) being withdrawn as the line item issue levy check. 

Today, Sunday XX/XX/ I called capital one again to ask for a provisional credit to my account since, through no fault of my own and actually owing no tax debt, I am left literally penniless. This request was refused by manager XXXX, and he explained that since the check had already been issued it would have to be sent to the requesting party, then returned for adjustment. 

When I asked for escalation to his manager, he refused and said that there is no one available by phone above him. I asked for email contact but it was not given. 

At this point I am beyond frustrated and am about to have NSF fees piling up as well as jeopardizing my good standing with my brokerage firm to which I have pending transfers. Please help or advise how to get this issue corrected and resolved as Ive tried everything in my power, and it appears that capital one wont even extend an offer of an olive branch of provisional credit.
Product: Credit card or prepaid card

The issue is My ex wife ( XXXX ) is listed as a joint card holder on this account and we both feel that is an inaccurate description. I am the only person who ever applied for this credit card back in 1993. XXXX might have been added as an additional cardmember sometime over the course of the 26 years I've had the card. In fact years ago I cancelled all cards except mine and specifically requested that I be the lone cardholder with any and all responsibilities toward future charges etc. Since that time XXXX has not access or a card but has continued to be listed with credit companies as a joint cardholder. XXXX called Discover months ago and they specifically told her the only way to remove her from the account was for me to take sole position of all debts and responsibilities in the final divorce decree ( which I did ). 

On XX/XX/XXXX I spoke with XXXX XXXX at Discover 's CEG team ( this is supposedly the highest department that deals with disputes at Discover ). I also spoke on XX/XX/XXXX with XXXX ( who claimed to be the manager of the department ). I was told the exact opposite information, meaning they can not and will not remove XXXX from Joint responsibility because she is a joint cardholder. I have asked numerous times for proof of this information and so far have received nothing. 

My belief is that I am the sole responsible party for this card and request that XXXX be removed and have all credit reporting concerning this account cease in relation to her. 

If not, I am requesting proof in a timely manner that XXXX is in fact responsible for the account. 

XXXX, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I 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 some accounts. All is being investigated by the FTC.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments showing on XXXX XXXX card/aafes/XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX- XXXX, XXXX & XX/XX/XXXX XXXX & XXXX XXXX & XX/XX/XXXX XXXX. I spoke with them twice today once to inform them my intent to pay on a later date they stated they need a promises to pay however due to the way I get paid I can't do that but will pay when I getting paid. They called my home again at XXXX pm today and informed that I already spoke to an agent about the payment and could not make payment today and I will call to make payment and informed them to stop calling my home or I would report them to your agency
Product: Credit reporting, credit repair services, or other personal consumer reports

When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX fXXXX XXXX to correct issues around my trade-in of my other vehicle. It took XXXX XXXX XXXX four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX 201XXXX 2017 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately XXXX made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called XXXX on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that XXXX is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for XXXX XXXX XXXX to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need XXXX XXXX XXXX to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my credit from experian dropped 17  points. I have never been late on my XXXX XXXX Card. I paid my bill early and it showed that my balance decreased which is what happens when you pay off your debt early. I disputed this and nothing happened.
Product: Debt collection

on XX/XX/2023, I received a notification from my credit monitoring agency that someone added a collection account to my credit file, so I logged in and discovered it was a company that I had no previous communication with or have never been contacted by previously offering dispute nor payment options if I indeed owed the debt. 

on XX/XX/2023, I sent the company a certified letter asking for validation as well as asking why I wasn't offered an opportunity to verify this debt before placing this debt onto my credit file. 

on XX/XX/2023, I received a letter and a statement from this company stating that this was validation, and on the back of this letter offering a place to add my payment information to pay this company that I still do not recognize. 

on XXXX XXXX, I sent the company a certified letter stating that this still isn't significant information linking me to this debt & also stating that I should have been properly advised of my rights to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX  XXXX different collection agency. They need to proof this is my account. I have never had XXXX  XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX  XXXX was put in was a childhood home. I have not lived there in over 30 years. I disputed with Experiqn last year they removed for lack of proof it has appeared again under different collection company and Experian has said the company showed it was mine. I would like to see the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.