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

I have two checking accounts with Capital One and have had these accounts for approximately 10 years. For the past few years the bank has been charging me {$35.00} for overdraft protection on each account and also {$35.00} for insufficient funds. These charges have often added up to {$300.00} or {$400.00} per month, which is very hard on me as I rely mostly on social security and a small pension for a living and am frequently low on funds as I wait for my next check. I have also signed up for several automatic debits - for car insurance, for a donation to public radio, etc. Regarding overdraft protection sometime the bank pays an item sometimes it does not. Either way they charge me {$35.00}. And I do not understand their policy -- why pay some things and then not pay others? Also many times I am charged {$35.00} for a 10 or less debit. Recently I called the bank and asked that overdraft protection be stopped on both accounts. I was told if I did that that I would only be charged an insufficient funds fee for actual checks I wrote or for automatic debits. I proceeded to call all my automatic debits and cancelled them or told them to bill me directly not bill my account. When my XXXX cell phone payment hit my account a few days ago it was not an automatic debit. I paid it at the time. The bank charged me {$35.00} and bounced it, despite telling me only automatic debits would be charged the fee. XXXX resubmitted the bill and the bank charged me {$35.00} again. So {$70.00} on one bill. I also believe on many occasions over the past 3 years the bank has re-ordered the timing of debits so that they could charge more fees. 
I understand banks in the USA make {$18.00} billion or more a year on these fees. This is usury plain and simple. How is this different from payday loans? At least with the loan someone gets money to pay the bill. Banks like Capital One are taking advantage of people often with limited incomes who need a checking account to pay bills and do n't know about alternatives. The bank has zero or little costs when I bounce a check or have insufficient funds - so why are they allowed to charge a fee if no service is provided to me and they incur no costs? Why does the government allow this? Could it be because the big banks donate to our politicians? Who is going to take care of the little guy and change the law on this so banks can no longer get away with it?? Is n't that the role of our government?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
Product: Credit card

I opened the US bank Skypass Visa Signature Card on XXXX with the offer of XXXX miles after spending {$4000.00}. I completed spending {$4000.00} in XXXX, but didn't receive bonus miles. I asked the US Bank why I didn't get the bonus miles even though I met the conditions. Their response was that it was because I had receive a bonus mile with another Skypass Visa Signature Card within the past 5 years, which was not in the term when I open the card in XXXX. As far as I know, this requirment ( 5 year rule ) was new since XXXX.
Product: Credit reporting or other personal consumer reports

I sent over a dispute letter asking for accounts to be removed from my credit report under 15 US 1681b, I never gave consent for any accounts to be reported. It has been well over 30 DAYS and I still haven't gotten any results. The code is posted below.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Checking or savings account

Lost my wallet checking account was closed all my information was changed and hacked just got my email back fraudsters wrote checks in my bank and closed it
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Far 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 XXXXXXXX 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

XXXX XXXX and USAA Managers, After your response, I have decided to file a small claims lawsuit against USAA in this matter. 
I am waiting on responses from the following places before filing : 1 ) XXXX XXXX XXXX 2 ) The Texas Attorney General 's Office 3 ) The Consumer Financial Protection Bureau 4 ) Office of the Comptroller of the Currency XXXX ) Federal Deposit Insurance Corporation 6 ) Federal financial Institutions Examinations Council 7 ) Federal Reserve Consumer Complain Line 8 ) Texas Dept. of Banking I have been a faithful member of USAA for more than 20 years, since I was in high school. My mother is a longtime USAA member and so are several family members and longtime friends. I've never had any issues with USAA until now. 

For you and your bank to make a decision to suspend my transfers for SIX MONTHS ( not a month -- not a week ) without investigating WHY and not giving notice beforehand is unacceptable. 

I explained previously that I was expecting a deposit into my XXXX  XXXX account and attempted to transfer funds to and from that account. It is MY ACCOUNT. 
your email explained that there were 4 transfers that were all declined and that is correct. 
But to SUSPEND transferring funds in and out of my account for SIX MONTHS is absurd for several reasons. 

1 ) I was NEVER given any email or notification that if there were transfers not going through, that my account would be suspended to where I can't transfer. I'm not even able to use XXXX, XXXX, XXXX XXXX or any transfer as a result of your decision. 

2 ) Both USAA AND XXXX XXXX charged me NSF fees for EACH transaction. 

Again -- I'm filing a lawsuit IMMEDIATELY once I get responses from the agencies. 
This is an unacceptable response to my questions. At this point, I dont care what is laid out in any rules. 
You should have taken into account that this was never done before, these transactions were between accounts that belonged TO ME, and I was not given any notice prior. 

I plan to take this as far as needed.
Product: Mortgage

We met with a mortgage lender to find out how much it would cost to close on a new home. We were told that the normal closing costs were {$1300.00}, but because we were premier clients, it would only be about {$600.00}. To start the application, the banker withdrew {$480.00} from my checking account but told me it would be part of the closing costs. On Friday afternoon, XXXX XXXX, 2015, I contacted the lender to see if he had a closing statement ready for our XXXX XXXX, 2015 closing. It was at that time I found that the bank was charging me an additional {$630.00}. I immediately began making telephone calls, but no one was available to help me. At the closing on XXXX XXXX, 2015, the title company showed me a good faith estimate explaining the closing costs. This is the XXXX time I saw the document. I asked the title company to sign, date and give me a copy of the GFE. 
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}
Product: Checking or savings account

Claim Number : XXXX was opened with NetSpend XXXX XXXX XXXX XXXX  on Claim Date : XX/XX/year> for UNAUTHORIZED CHARGES. Merchant that completed these UNAUTHORIZED transactions is : XXXX XXXX on eight ( 8 ) occasions on above mentioned account ( s ) Debit card XXXX resulting in the total amount of : {$180.00} UNAUTHORIZED AMOUNT ( XXXX ) AND DATES : XX/XX/year>XXXX  : {$14.00} XX/XX/year> : {$44.00} XX/XX/year> : {$26.00} XX/XX/year> : {$26.00} XX/XX/year> : {$26.00} XX/XX/year> : {$21.00} XX/XX/year> : {$26.00} XX/XX/year> : {$9.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate 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 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. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1.EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 6. The inquiry was not authorized EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 7. The inquiry was not authorized XXXX/XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. 
I requested method of verification and copies of full and signed contracts and they did not produce either items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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 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 card

XX/XX/2013 I made a purchase of {$1900.00} from Home Depot. This was for new counter tops for our kitchen remodel. When I made the purchase it was under their promotional plan of 24months interest free. Every month since that day I have paid an average of {$100.00} which was over the minimum payment. In between the time of the purchase and last week I had made other purchases that were from {$500.00} to {$200.00}. Last week I went to pay my bill and noticed that the payment due was {$370.00} and the balance was {$5200.00} ... ..previous balance was roughly {$3000.00}. I called and asked what had happened and to report that it may be possible that someone has used my card. After looking into the situation the lady on the phone said that something was n't right and that they were opening an investigation into the matter and I should hear back from them in 4-5 business days. After receiving a survey from Home Depot on my experience I noted that I had not heard from them on the resolution of the discrepancy and was not happy about this. I then called the customer service line to find out if the investigation was still open and the representative stated no it was closed. I then asked what had taken place and they told me that my promotional deal had expired and they placed the interest that had accumulated onto my balance. My argument is this, I made a {$1900.00} purchase under this interest free plan. I have made and average of 24- {$100.00} payments on this card, which would put my overall paid amount at {$2400.00} ... {$500.00} over what I had used. This plan should have been paid for over months ago. I called to talk to customer service again and asked how this could be and I was told that once I made " other '' purchases my promotional interest free account was put to the side and no more payments would go to that until my other purchases were paid for. This was NOT what was explained to us when we used the card. I have been paying on this for 2 years now and was never told that I would have to pay for my promotional plan separate or state that it was to go to that, the entire balance was also shown when I went to pay my bill every month so I would pay towards the balance shown. Then to add $ XXXX+ in interest to my account for a {$1900.00} purchase after paying the bill monthly is outrageous. I feel that this is an unacceptable practice on Home depot by not applying my payment to my balance and simply putting it towards other purchases. The 3rd time that I called and talked to representative I asked why it was like this they flat said, it goes to a different account once other purchases are made. Why on earth is this practice allowed to happen? I can not afford to pay an extra {$1600.00} on top of what I owe, especially when I have held up my end of the agreement and paid my bill every month, even paying EXTRA on top of that.
Product: Credit card or prepaid card

American Express Bluebird deleted and officially withheld my bank statement for card ending- XXXX. From XX/XX/2021 to XX/XX/2021 I am illegally missing my statement and transactions for that timeframe. I have proof because a was able to see my unemployment and now I cant look it up for those past weeks. Not through the app or the online browser. I printed back on the XXXX but all the transactions I needed to see arent on the copy I initially populated on the XXXX of XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from XXXX credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Transunion Consumer Solutions dated XX/XX/2020. The dispute letter outlined the myriad of fraud that was uncovered on my credit report. As outlined, there was a total of two accounts and one inquiry that were deemed fraud, but the request to block the information was denied by Transunion. The reason they state the request was denied was in accordance with Section 605B of the FCRA. I enclosed a copy a police report and statement outlining the fraud for their review, and they still denied it.
Product: Student loan

my current payment is just under XXXX $ a month ... this is an insane amount and unreasonable to expect me to be able to pay this, especially when you factor in my XXXX a month payments to my federal loan. When I called to try and resolve this I was basically told I can not change it since I have XXXX co-signers and with their incomes factored in I should be about to afford this. This makes no sense to me.. this is setting me up to fail. How is it fair to factor in my cosigners monthly income when factoring whether I can afford to pay. A cosginer is supposed to be a fallback when I can not affford the monthly payment .. with a monthly payment of XXXX $ I will NEVER be able to afford this. Meaning it ALL falls on my cosigners. WHY cant they come up with a payment based on MY salary and MINE alone. So that JUST MAYBE I could actually afford to pay this?
Product: Checking or savings account

My personal information was compromised and someone fraudulently opened an account with Chime. Since I dont know the account number I can not access live support, and messages sent to their support email address go unanswered. 
The company touts 24/7 support but actually offers support to members only between the hours of XXXX and XXXX, Monday through Friday, and a short while on Saturdays. 

Scammers are aware and taking advantage of Chimes false advertising, and the company is ill-equipped to handle such issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not following FCRA laws and regulations. They are reporting XXXX   XXXX on my credit and shouldnt be. I sent a validation letter and they sent me a response saying it was verified. Who verified it? I received no proof, nothing. I then sent a second letter and within a week they said its verified? Once again no proof. I asked for proof a consumer contract with my signature on it and they ignored me not following section 609 or 611. Ive contacted XXXX  and they cant show proof either so why is this on here. Experian needs to fully investigate this and not just press a button on a computer and show me the proof of there finding like I asked for or immediately delete
Product: Debt collection

I moved and did not receive a notice of debt. I currently still go to the same doctor and was not informed of the debt.
Product: Money transfer, virtual currency, or money service

PayPal send me an email that I am permanently limited to use PayPal. Because of that I can't withdraw my funds and received payments from my clients. I ask them what is the main reason, but they did not give any. I give them all the documents to confirm my identity such as passport, Contact number, bank accounts, profession and Certificate, but still, they did not restore my account and they hold my funds.
Product: Debt collection

I have made a purchase with  XXXX   XXXX  in  XXXX . Unfortunately, in  XXXX  my my wife lost her job during the recession and could not afford to make payments. They have called me at work and asked me why I stopped making payments ( I was appalled that they would even call my place of work ) but I have told them our situation. I was not offered a payment plan but instead was placed in collections.  <P/> The statute of limitations has long passed, however, while I recently reviewed my report, I noticed I was placed back into collection in  XXXX   XXXX  again after more than 7 years without ever talking to them.
Product: Credit reporting or other personal consumer reports

These unfamiliar inquiries on my credit report is really concerning. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened as I did not applied to them and it's causing me a lot of stress and XXXX