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

Four years ago, in 2019, I asked Capital One to close my XXXX Money Market checking account ending XXXX. CapOne has nevertheless kept my account open all this time, while preventing me from accessing my balance. I complained to CFPB previously ( see Complaint ID XXXX, attached for reference ), to no avail. Recently CapOne had the gall to notify me that due to lack of account activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance hostage, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These errors are severely impacting my creditworthiness and financial opportunities.

1. Unauthorized Hard Inquiries The following hard inquiries were made on my credit report without my consent or a permissible purpose under 15 U.S. Code 1681b, negatively affecting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries should be removed immediately, as they do not comply with the legal requirements for permissible purposes. 
XXXX. Inaccurate Collection Account A collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers must ensure the accuracy of the information they report. The following account must be removed : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} XXXX. Closed Account with Unfair Late Payment Marks The following closed account contains late payment marks that unfairly harm my credit profile and do not meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX XXXX Account Number : XXXX ) Opened : XX/XX/XXXX These late payment marks must be removed to ensure compliance with federal law and fair reporting standards. 
XXXX. Experians Inaccurate and Unfair Reporting Practices Experian is incorrectly reporting the following inaccuracies, which violate both the FCRA and TILA : Late Payments on Mortgage Account : My credit report reflects late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage with XXXX XXXX XXXX ( Account : XXXX ). However, billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b.

Impossible Credit Utilization Rate : My report displays an inaccurate credit utilization of 415 %, which is a mathematical error and a clear violation of 15 U.S. Code 1681e ( b ) ( Maximum Possible Accuracy Rule ).

These inaccuracies have significantly harmed my credit score and have limited my ability to secure fair financing. I have already disputed these errors with Experian, yet no corrective action has been taken. 
Request for Immediate Investigation and Correction I request the immediate investigation and removal of these inaccurate items from my credit report. These errors violate federal law, and their continued presence is unjustly damaging my credit profile. Attached, I have included supporting documentation, including my FTC identity theft report, to substantiate my claims.

I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that these violations are promptly addressed and that Experian, as well as the involved data furnishers, comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This company is holding a {$100.00} deposit from a hotel stay from a week ago. I called and asked why they have n't released the pending transaction and was told by the customer service rep that it takes a month and if I wanted sooner I had to submit a merchant release from the hotel. Mind you the hotel releases it upon checkout and after that it is up to the bank they think I 'm stupid and I think they are trying to take my money. I told them I 'm in florida and need my money asap to evacuate during the storm and no empathy and I went as far up as the supervisor ans he didnt even budge. I submitted my receipts and all that clearly showes the charges made to the card as well as the deposit and they are telling me its invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Chrysler Capital obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXXXXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, XXXX XXXXXXXX XXXX, and CB/Express . I'm merely stating that fraudulent accounts must be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company santander. They have been removed form my other accounts but they are still showing on my XXXX. I disputed with XXXX  because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with XXXX and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.
Product: Credit reporting or other personal consumer reports

I have requested under the fair debt reporting Act title 15 Sub Sec 6802, 1692, 1601 that they remove the information from credit report that is not mine reporting on the report. Also requested from the furnisher to provide the necessary agreements that obligated me to perform in anyway and or gave them the right to furnish the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports state I have a Serious Delinquency on my Chase Mortgage. Chase is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by Chase From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by Chase reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called Chase in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from Chase in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called Chase in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that 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. 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 ofthe consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Request for Assistance in Removing Unauthorized Inquiries from TransUnion Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving an issue I am currently facing with unauthorized inquiries on my TransUnion credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX VA XXXX My contact information is XXXX and XXXX I recently reviewed my credit report and discovered several unauthorized inquiries made by TransUnion. These inquiries have negatively impacted my credit score and financial well-being. I believe these inquiries are inaccuracies and do not represent any legitimate business transactions or credit applications initiated by me. 
I have taken the necessary steps to dispute these unauthorized inquiries directly with TransUnion, providing them with all relevant information and supporting documentation. However, despite my efforts, the inquiries remain on my credit report and the wrong address, causing undue stress and concern. 
I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter and assist me in ensuring the removal of these unauthorized inquiries from my TransUnion credit report. I believe that this situation violates my rights as a consumer, and I am seeking a fair and timely resolution. 
Enclosed with this letter, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation I have submitted to TransUnion during the dispute process. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to address and resolve this issue. If further information is required or if there are additional steps I should take, please do not hesitate to contact me at the provided email address or phone number. 
Thank you for your time and assistance in rectifying this situation. 
Sincerely, XXXXXXXX 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: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdrafts, overdraft fees and rejected charges I have incurred. Even though I had sufficient funds when the charges were made, I was charged an overdraft fee and when I couldnt pay my account was eventually closed. It has since been reopened and they still lag on posting charges and credits. This issue directly aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settle with insufficient funds despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Prepaid card

A company called XXXX used my prepaid card to charge my account, they where not authorized to use the card. I called American Express Bluebird cards who refused to do anything about it.
Product: Credit card or prepaid card

Cash back credit card under both my husband and my name. Husband passed away in XX/XX/2023. I have been using card and paying balance off each month since, gaining reward money as well. 
I went to make a purchase on XX/XX/23 and bank declined. I could not access my account online. Called customer service # and was advised the card was CLOSED as they were notified my husband ( primary user on card ) was deceased. I received NO NOTIFICATION of closing and I AM listed on card. 
I asked about the Rewards money I had earned - I can not access online to transfer the earned money. I was told once the account is closed it is closed. 
No notice of closing an account - I have no way of accessing my Rewards money- yet I am still responsible for paying off the balance? 
I do not think this is fair or legit.
Product: Credit reporting

Hello, there is a 2012 Chapter XXXX Bankruptcy filing with docket number XXXX that was added on my score that I have been disputing for over 6 months to get this filing withdrawn. 

I have talked with with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. 

I called and spoke with a manager and asked from TransUnion on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had XXXX representatives tell me that the dispute is sent as a message to the courthouse XXXX. Once the court verifies it, the information is transmitted back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they instructed me that they do n't release any information via the credit bureaus. 

I decided to call TransUnion back to speak with another manager, but this time they advised that the information is given by the contractor who contacts the court house. 

I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor report to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

TransUnion refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquiry
Product: Mortgage

Attached is the supporting docs - two issues ( statement needed for hardship loan & on going issues with Rushmore ) RE : URGENT : Hardship Loan from 401K - Loan : XXXX Please send me a copy of my statement or documentation needed to receive Hardship Loan from 401k. 

The request for statements have been outstanding since the loan was sold to Rushmore. XXXX had the reaffirmation document from my bankruptcy that was discharged in XXXX. Ive sent this doc 2x to Rushmore and I still do not receive statements. 

I need this documentation ASAP to receive the funds to clear the account. 


Thank you, Next issue : Statements needed Hardest Hit did not honor the contract I signed - had to take out " hard loans '' ( attached ) XXXX Inspector - no resolve Waiting for Inspection from Rushmore - Insurance and Engineer came out in XX/XX/XXXX FEMA check - need it endorsed so I can pay off previous debt for Irma and assist in getting work completed Case Manger does not respond timely and when I ask for communication via email or leave message - its ignored ( cell phone goes off - unable to dial out )
Product: Credit reporting or other personal consumer reports

This credit card company charged me interest that is illegal in the state that I lived in. The company agreed to close this credit account but it has now been sent to a collection agency illegally negatively impacting my credit. The collection company has also illegally threatened a lawsuit and I live in the state of nc now where this balance is more than XXXX years old. They need to remove the balance and delete this.
Product: Credit reporting or other personal consumer reports

I need to emphasize that this isn't just a simple error. The mistakes on my credit report are causing significant issues in my life, and the stress has been hard to manage. During these challenging times, its been a heavy burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment and derogatory marks on my credit which is negatively affecting my ability to help my that's going to hard time financially and medical reasons. 

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.