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

It is submitted that I deposited a Cashier Check number XXXX dated XX/XX/XXXX on XX/XX/XXXX, at a branch of CapitalOne. It was Saturday and then I waited to clear the check till Tuesday, XX/XX/XXXX, when I got a message from the Bank that my check of {$2900.00} was cleared and funds are available. 
Then I started purchasing from my account, using my Debit Card and I used my Debit Card of CapitalOne at three different spots of XXXX to purchase Gift Cards amounting to {$800.00} from each spot, which was a scam, but I could not understand that time. 
I took all precautions before starting the purchase from my account, and used the Debit Card, when the funds were available in my account after the clearance of the check and even after using the Debit Card at three different points, Bank did not decline my card and I completed the purchase of three Gift Cards of {$800.00} each on the same day when the funds were available in my account and even used by debt card at some places also for purchase. 
On the next day, XX/XX/XXXX, when I tried to use my card at another store it was declined and after checking it was found that the Check of {$2900.00} was reversed and now my account is now in negative {$2200.00}. 
It means that I became victim of a scam due to the fault of CapitalOne Bank as first, the bank cleared the check and the next day it reversed it, which means someone in the bank is a partner with the people who are involved in the scam. 
Please investigate the matter thoroughly, and return my deposit of {$2900.00} because I used the funds when officially they were available to my account. 
I provide the phone number and email details to the bank but still, Capital Bank is not accepting its responsibility to safeguard my funds.
Product: Checking or savings account

Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. 

I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.
Product: Credit reporting

this account not below to me and it affect my credit XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX also this accountXXXXXXXX XXXXAddress : XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number:XXXX .... i need to be removed from my credit report I paid completed the account
Product: Credit reporting or other personal consumer reports

brclys bank dated XX/XX/year> I didn't authorize this inquiry please remove federal trade report number # XXXX
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 the dates below : 30 DAY LATE - XX/XX/2014 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I log in myequifax I get this message Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

I called many times and sent letter XX/XX/2022 and called many times on XX/XX/2022 I called they said they would fix my problem so I can view my credit report and XX/XX/XXXX and they said same thing They will fix in 7 to 10 days. I haven't been able to view my credit since XXXX.
Product: Credit reporting 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. 

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 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 ) 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: Checking or savings account

I have opened a checking account with Truist Bank ad the were offering a {$400.00} bonus for XXXX customer. By using promo code XXXXXXXX. I maintained my account current and met the requirements of having direct deposits of more than XXXX after opening. Today I was told by a supervisor that my account was never enrolled in the promotion and even tho I qualified was not going to receive such promo.
Product: Credit card or prepaid card

My name is XXXX XXXX, an agent for a principal, XXXX XXXX a federally protected consumer, holder in due course, and attorney in fact. It has been brought to my attention that I have been a victim of identity theft. I am aware that my consent is needed to publish any non-public personal information on me. Because I never gave ANY implied consent to furnish anything on my behalf. No consent is alleged identity theft. I am also aware that as a consumer reporting agency, you are obligated to block the reporting of any information [ my personal non-public information ] in the file of a consumer that the consumer identifies as information that results from alleged identity theft. 

Delete and block the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following inquires XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof to Experian that my information and account number was incorrect, and that the account needed to be removed, and they ACTUALLY had the nerve to say they verified it, which means they did not even LOOK at what I sent them, considering I sent them proof it was incorrect
Product: Checking or savings account

On XX/XX/XXXX I checked my account and noticed a {$600.00} charge not authorized by a company called XXXX. Usually my bank will decline transactions unrecognized but failed to do so. I called Wells Fargo and was told that it will take up to 10 days for the fraud department to do an investigation. I had some apple store charges as well and told the agent helping me I would resolve that with XXXX. Fast forward with 11 hours on the phone seeking answers and information, visiting my local branch and spending 4 hours of time between 2 visits, as well as even going as so far to add people on XXXX to that worked for the company, I finally received my refund. The same day I received it I was sent a letter they reopened the claim and now will be taking the amount back on XX/XX/XXXX. Another letter was sent on XX/XX/XXXX that its resolved and closed so the amount was permanently in my account. I was sent over 13 letters with constant changes and I am unclear why. Its a case that was closed the day I called on XX/XX/XXXX and said it was fraudulent. 

The money was again taken from my account and I provided endless information showing I never authorized the charge and had a letter from XXXX showing they have no information of mine and also no account. 

This has kept me awake at night. I stayed a customer with Wells Fargo despite how terrible I was treated and trusted they would abide by the XXXX XXXX XXXX as its one of the reason I became a customer. I now have 2 separate claims with no understanding what charges are on each one. I told WF endless times to not include XXXX XXXX charges but its a continuous disconnect as the attachments show arbitrary numbers. It should be one charge. For {$600.00}. 
No one will help me, yet again Im in a spot of despair. I can provide any information possible and need someone to please help me as this has taken time from my extremely stressful job as an analyst, stopped me from flying to my families for holiday and made me unable to sign up at other banks bc of a negative amount in my account. I started this claim almost 2 months ago and my notes regarding the claim are inaccurate and I cant get a person to look up from the screen and realize its an operational error on the companys part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; the following has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I have been lock from banking activities for three days now. On XX/XX/XXXX, I attempted to access my bank information through the USAA app on my XXXX, my phone, and online via the web. All attempts indicated that my access was restricted due to security reasons. I called USAA at XXXX XXXX and after I entered my member number, the recording stated it did not recognize my ID number, said their offices were closed, and immediately disconnected the call. Their call center is never closed on a regular weekday at XXXX XXXX I made several attempts to call and it continued to hang up on me. After calling once more, I didn't enter my member number it did not hang up on me or state they were closed. After waiting 30 minutes, I was transferred to someone who said their Security Dept. was closed for the day, transferred me to someone else and was on hold again for 30 minutes, when that person came on the line they said they were going to transfer me to someone else. I refused to be transferred asked why my access was locked and was not given an answer. I had payroll deposits and checks deposited that indicated the funds were available. I went to the ATM and both attempts to withdraw funds indicated I had insufficient funds. My withdraw requests were below the available cash balances within the daily withdrawal limits. I just received a notice from my cell phone provider that their attempt to collect payment for my bill was declined. I have notifications set for USAA to contact me via e-mail regarding account fraud or security matters and nothing has been sent to me explaining why I can not access my funds and why payments are being rejected.
Product: Mortgage

In XXXX of XXXX, my business got affected due to XXXX losing my household income. To meet my mortgage obligations, I used my savings to continue to pay my mortgage payments. Furthermore, in XX/XX/2020, I encountered a medical condition and became XXXX. 

When I explained my situation to Bank of America, hereafter known as BOA, they offered to defer my mortgage payments for up to XXXX months, which I accepted. After the deferral period was over and still during the pandemic, I received a letter from BOA offering mortgage assistance program which could lower my XXXX mortgage payments if I apply for the program. I called the BOA and the agent on the phone explained how the process works and what documents they need to support my application. I immediately agreed to apply and to be reviewed for the program due to my sensitive financial status. After submitting my application and requested documents repeatedly for XXXX months, BOA denied my application. 

In the denial letter BOA stated that they were pleased to offer me a short sale program. 
I contacted BOA and spoke with XXXX agents on XXXX occasions asking the reason for the denial and pointing out that short sale can not be a right program for me, but they all referred to the denial letter since they couldnt explain me how a property with equity can be eligible for short sale. As a matter of the fact some of the agents expressed their sympathy and made notes in their system about this nonsense decision. Having realized that denials were in error, the agents asked me to re-apply for reconsideration, which I did, thus ; every XXXX weeks I was submitting supporting documents and letter of explanation but still BOA rejected my application and sent me the same denial letter as before and offering short sale. I contacted BOA and complained about their decision, and they asked me to apply again for re-consideration, which I did but still the same result. This process repeated XXXX times over the last XXXX years. 

This act of BOA by dragging my application, eliminated any opportunity that I had to refinance my mortgage to a that time market interest rate as low as XXXX XXXX. 

Now, after exhausting all my savings to continue to meet my financial obligations and maintain my hard-earned XXXX XXXX which has taken me over XXXX years to build, Im now reaching out to you asking for your help. 
I dont want to lose my house therefore, out of sheer frustration, I am writing to your office to request an investigation regarding my mortgage assistance application with BOA. I am hopeful that your assistance on this matter will expedite some type of mortgage assistance with BOA to help me to keep my house. 

Property Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Bank of America XXXX Mortgage XXXX # : XXXX Thank you in advance, Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion and XXXX have all said that my credit report was true and accurate and it is not. 
They are also under several XXXX violations. 
15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611.

15 USC 1681b- states that any consumer reporting agency May furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. XXXX TransUnion nor XXXX can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that 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 conviction of crimes. '' 15 USC 1681n- I have received actual damages because of XXXX XXXX and transunion. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several USC violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried disputing a collection account on my credit and asked for documents. The apartments XXXX  XXXX  XXXX is reporting to the credit bureau but I have no knowledge of the apartment nor have I ever lived there nor applied there. The collection states it was opened in XXXX I lived at a totally different address and did not move from the apartments until XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I am seeing a XXXX collection illegally reporting on my consumer report. I have requested the collection agency to provide me a letter/document validating that the medical debt belongs to me. The debt collector have not responded to my requests. I have called the agency multiple times and could not get a proper resolution. TransUnion is illegally reporting inaccurate medical information on my consumer report and violating HIPPA law. I would request this collection be removed immediately from my consumer report. 

Debt collector : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Thank you for your consideration. 
XXXX XXXX
Product: Consumer Loan

I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.
Product: Debt collection

This is another fraud debt collection scam by Credence at 2 locations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and Credence Resource Management LLC XXXX XXXX XXXX XXXX, MI XXXX, In XX/XX/2017 The account was paid off and New service began with another cable subscriber XXXX there offer for new service was to pay-off your existing cable service which was XXXX XXXX XXXX, apparrently some how after 4 years, they are claiming that this amount was never paid for XXXX XXXX XXXX where I have been a customer since XX/XX/1994 at the same location. I noticed over the many years they periodically send the same notice from the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED THE CREDIT REPORTING AGENCY Equifax THAT I AM THE VICTIM OF IDENTITY THEFT ON several OCCASIONS AND a fraudulent ACCOUNT REMAINS THE CREDIT REPORTING AGENCY Equifax IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION
Product: Mortgage

Prior to being discharged from our Chapter XXXX bankruptcy in XXXX XXXX, we have encountered nothing but problems with Midland Mortgage. Since XXXX, they have shown resistance to helping us. Only with the help of loan modification lawyers combined with our bankruptcy was some measure of relief provided for us. 
Upon receiving notification that our Mortgage Interest Rate and Payment were going up, we submitted a request for help on XXXX XXXX. After weeks of miscommunication and " submit these required documents '' -- of which they had already, and repeatedly received - we were told this morning, XXXX XXXX, that they could not help us as our income was too high. We repeated to the person on the phone that the income submitted had overtime included. Overtime is not guaranteed and their decision should stem from the base pay. 
Further, we were told that we would not be eligible for the HARP program unless we missed a payment, a sign of hardship. Since our records show we were current, we have essentially shown we are in not in a position of hardship. 
Midland has shown from the moment they took possession of our loan that they do n't care for us as homeowners. We are trying to get away from having to ruin our credit and save us from the hardship from the near {$4000.00} house payment on a single income. However, it 's clear to me they 're all too happy leading us to both those results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. Equifax shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.
Product: Credit reporting 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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX Account Number : XXXX has violated my rights. Or a 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: Debt collection

I am dealing with this debt collector named " Receivables performance ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. it seems like the reps don't even know what the debt is about, no information to provide.
Product: Checking or savings account

On XX/XX/2021 I received multiple emails welcoming me aboard to a new Suntrust banking account and and order of checks but I was not able to access the account. 

On XX/XX/XXXX I received an additional email confirming that the account had been enrolled in overdraft protection. 

I called the bank and reported the account as fraudulent and had the account closed.
Product: Debt collection

XXXX # XXXX AMOUNT {$5600.00} I am disputing the validity of this debt, as the collection agency has failed to provide proper documentation proving I owe this amount. Under **15 U.S.C. 1692g** of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this debt.

Any continued attempts to collect or report this unverifiable debt constitute a **clear violation of federal law** and may result in legal action. I demand **immediate removal** of this account and a cease in all collection activities. Failure to comply will result in complaints filed with the **CFPB, FTC , and my State Attorney General**.