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

I opened a new business account with Bank of America on XX/XX/2022 and I ordered new computer checks, deposit checks and deposit stamps. I made online deposits of {$13000.00} on XX/XX/2022. On XX/XX/2022 I tried to log in to my accounts and could not and after spending hours on the phone I was finally told that they were closing my new business account and have place all the checks I deposited on hold for almost two weeks. They would not give me any reason for closing the new account just that it was decided by the loss prevention that the account was to be closed and they would mail me a check for the deposits I made after they cleared and any other moneys in the new account at some point. I had changes all my auto payments over to the new business account and had spent hundreds of dollars on the checks, deposit slips and deposit stamp with no explanation of why. My wife is a XXXX XXXX XXXX  of Bank of America and we have XXXX other accounts with them and she is also on the new business account we opened and we were told they may close the other account as well with no reason way. I don't mind going to another bank but all the time and money we have spent with no explanation. They have all of my money tied up this is not right
Product: Debt collection

midland funding is trying to garnish payments from my checking account without ever notifing me, emailing me, sending me mail, phone calls nothing. I have not heard from them in 10 years since they took me to court. The very old debt is with XXXX XXXX an east coast clothing compant that was one of those mail order credit companies. never had a credit card with them. The XXXX XXXX XXXX account was open in XXXX and its XXXX. They have been harrassing me for a few hundred dollars from when I was a kid ( young twenties ) They have accumliated the amount to {$2100.00} with all there fees court cases lawyers and were taling for a few hundred. This debt is almost 20 years old.  So last week my bank sent me mail that they tried to garnish my account and it was the first time i even heard of midland company and there lawyers. I called them and they said there going to go after me until XXXX and that I ower over XXXX and if I dont pay all of asap there going after my account account again.. They were so rude and demeaning to me and wouldnt even try to work somthing out with me. There has to be some kind of law about that attacking me out of nowhere not even knowing who they were and never reciving one phone call or piece of mail. I had to hear through my bank.. I feel like this couple of hundred that I owed to this mail order company is way too old and not even the correct amount there trying to sue me for.. what can I do? 
and they also have my husbands name who i wasnt even married to at the time.
Product: Credit card

I sent XXXX a message about my card being fraudulent charged for over {$5000.00}. I was told via phone that this wa being taken cared of. Now I am being sued, but my credit card agreement has an arbitration clause and I would like to invoke that clause for arbitration.
Product: Credit card

Background : - I have had a credit card with Penfed for approx 5 years.

- During this time, I have always made on time payments and have consistently paid around {$4000.00} per month based on a fairly high level of usage.

- Also during this time, I added a car loan with Penfed and have always made this payment on time as well.

- Also during this time, I have kept all my other loans, credit cards, etc. current and don't have any delinquencies which means my credit profile has not had any negative activity which would cause any concern from Penfed. 

Complaint : - On XX/XX/XXXX, Penfed mysteriously decreased my credit line by {$3800.00} which was a complete surprise and was not founded on any change in credit profile. 
- I had just made XXXX large payments ( {$1300.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX ) which opened up my available credit by {$3200.00}. 
- On the day after the second payment was made, they made the {$3800.00} credit line decrease which left me in a financial whirlwind because I was relying on that credit to make purchases. 
- My first complaint is this decrease was not justified from a credit risk profile perspective ( all experience with penfed has been perfect and my credit profile outside of penfed hasn't changed ) - My second complaint is that the decrease seems to be deceptive as I wasn't notified and feel taken advantage of me trying to get my balance down. 
- My third complaint is simply from a customer experience perspective ... this is a terrible way to treat a loyal customer who hasn't had any credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and I dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$810.00} XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureaus ' investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit card or prepaid card

Discover hire a law firm that taking me to court and lie to the judge on the balance my is XXXX and not no XXXX the lawyer show me the right balance of XXXX got in court and told the a lie I am trying to pay this off but they giving me the run a round and now I have to go back to court for a garnishment this go to far its not right a no one should have to go though this something need to be done I dont want no one to be change like this the lawyer discover card hire in not right and take this for a joke I dont see know right in this this unfair let me pay what i used on the card need to be fair. And thanks
Product: Credit reporting or other personal consumer reports

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection with XXXX XXXX reporting on my credit file. I have asked the credit companies to validate the debt because I am XXXX XXXX XXXX covered under the VA so this would be under the VA. It may be a mistaken name or something like that but my medical coverage is the government. Please help me with this
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX a debt for {$580.00} showed up on my credit report from a company called LVNV funding. I received daily notifications of mail comes to my house through the US post office called informed delivery. Ive never seen a letter come to me from this company, telling me that theyve purchased a debt or that I have a debt or how much I even owe a debt for. It just showed up on my credit report and lowered my score by XXXX points without giving me the opportunity to pay it dispute it or even know what this is.
Product: Mortgage

Company : Wells Fargo Loan Modification Started : XX/XX/XXXX Loan Modification Amount : {$48000.00} Please note, that although the modification started on XX/XX/XXXX, it actually took Wells Fargo, EIGHT YEARS, to reduce the balance to their written Loan Modification Amount of {$48000.00}. It was finally issued on XX/XX/XXXX. 

As such, for eight years, I paid INTEREST on approximately {$68000.00}. 

Now, while Wells Fargo has reduced the " principal '' account balance by {$19000.00}, they've never adjusted the balance for the EXCESS " interest '' paid and CONTINUE to  pay, in having a higher and incorrect account balance of {$41000.00} approximately. 

The correct balance as of today ( XX/XX/XXXX ), is {$27000.00}, with a daily periodic interest rate of {$2.00}. 

Having an incorrect account balance, is a violation of the : Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Reporting Act ( FDRA ). 

In closing, I have tried for YEARS, to get Wells Fargo Executive Management to  address this matter, .... but, they've steadfastly REFUSED. 

Hence, my complaint to CFPB.
Product: Credit card or prepaid card

I was sent an American Express giftcard for my wedding in XX/XX/XXXX. The card remained in my possession until I tried to use it in XX/XX/XXXX. There was no balance on the card. I researched the previous purchases and found that it had been used to make several purchases at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All businesses are located in California, XXXX XXXX County. I live in Texas and have never been to these locations. 

I contacted American Express who told me that they did not have enough information to refund the card based on fraud. I was told there was nothing to do and I had to contact the merchants myself. 

I have the card in possession, including the packaging the card came in.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights. 

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX - XXXX - Under 15 USC 1666b Timing of payments You're required to obtain verification from the DATA FURNISHER. I need to see all the paperwork that proves you did an independent investigation. I need proof that you didn't just send an electronic response to the creditor. Reverse these inaccurate late remarks XXXX - XXXX - 15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - XXXX - 15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX CA - XX/XX/year> Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX - XX/XX/year> Verify that these inquiries belong to me. - Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : XXXX while it was still ongoing approx XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX between XX/XX/XXXX - XX/XX/XXXX, but did not receive the advertised reward. The promotion was still listed active on XX/XX/XXXX. 

Initial support contact was on XX/XX/XXXX when the offer did not show completed/pending. I was told there was an issue with it and to give it a week. 

Paypal customer support has been contacted on XX/XX/XXXX and XXXX. Responses include " We did have a known issue going on with our promotions not paying out correctly and our technical team is working to resolve it as quickly as possible. '' and " This is a rare and isolated incident and I'm sorry this happened to you. I have made an escalation to the product team and were working on improvements, based on your suggestion, right away! '' however, they have closed the support requests and refused to honor the terms of their offer. 

Chats and qualifying transaction ID numbers are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

It has came to my attention that my personal information was in fact exposed in a data breach. After carefully reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked EQUIFAX for validation of debt on a previous occasions, as seen here on previous complaints, this information was never provided. Due to my recent knowledge of my information being exposed, an FTC complaint has been filed on behalf of the information I am unfamiliar with. Please find attached a copy of my ID, the FTC complaint, and a validation of debt letter. As indicated in 605b 15 USC 1681 c-2, EQUIFAX has 4 days to block and investigate this information. Please be advised that failure to block the information in this FTC report from my credit profile within 4 days of receipt will be considered a violation of my rights and will result in legal action being taken against EQUIFAX.
Product: Checking or savings account

SOMEONE HAS WITHDRAWN {$500.00} FROM MY ACCOUNT AND I FILED A CLAIM TO GET MY MONEY BACK. IT IS FRAUD I DID NOT WITHDRAWL THAT MONEY! WELLS FARGO HAS TOLD ME IT WAS MADE IN ERROR AND SOMEONE I MAY KNOW OR ME MADE THIS TRANSACTION THAT IS FALSE!!! I NEED MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number ****XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

For 8 weeks, I have been entering my ID and password CORRECTLY. 
But, Capital One WebSite, keeps flashing " sending to your account '' then a web page announces " We have hit a snag '' please try again later. 
This has been going on for 8 weeks on all XXXX of my accounts. 
5 weeks ago, someone from the tech department very ignorantly deleted all my security questions. The tech department would not reverse their actions. 
Three weeks ago, I entered all new questions and answers. 
Today, the same problem occurred and the tech department demanded that I change the security questions again INSTEAD of Capital One fixing the REAL PROBLEM. 
I called Capital One 's Headquarters and requested a vice-president of the credit card department but ignorantly as Capital One is ; the secretary sent me back to the very doofus customer service department. 
I WILL ONLY COMMUNICATE WITHA VICE-PRESIDENT AND NO OTHER STAFF. 
If not acceptable by Capital One, I want a {$30000.00} payment from Capital One just to have me communicate with me.
Product: Bank account or service

I overpaid on my credit card with Bank of America ( i.e. I had XXXX balance but forgot I already paid so I paid twice, resulting in net negative balance ). I then received a returned payment fee for {$26.00} for returned payment despite having sufficient funds in my checking account to pay for this from Bank of America. After much complaining, charge removed but I think this is a predatory and if I had not had paid attention, Bank of America would have made a quick buck.
Product: Credit card or prepaid card

SYNCHRONY BANK HAS DISCRIMINATED AGAINST ME BY CLOSING MY ACCOUNT THAT I HAVE HAD WITH HSN FOR THE PAST 9 YEARS SYNCHRONY BACK TOOK OVER AND IN ONE YEAR THEY CLOSED MY ACCOUNT. DURING A GLOBAL PANDEMIC WITH NO REASON. 

SYNCHRONY BANK SHOULD BE INVESTIGATED AND CLOSED DUE TO THEIR AGGRESSIVE ILLEGAL BUSINESS TACTICS. 

I DEMAND THAT MYACCOUNT WITH HSN BE OPEN SYNCHRONY HAS CLOSED MY ACCOUNT FOR A FRAUDULENT REASON THEY HAVE BEEN PAID AND THEY ARE LYING AS TO THE REASON THEY CLOSED MY ACCOUNT. I WOULD LIKE SOMEONE TO LOOK INTO THIS DUE TO THERE FRAUD AND TREATMENT OF MINORTY CUSTOMERS LIKE ME.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters and validation letters but have not gotten any response. This information needs to be corrected or validated and if not deleted and removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$670.00}
Product: Credit reporting or other personal consumer reports

Discover financial services Date : XX/XX/year> Account status is being reported as negative. 
I did not give authorization for this hard inquiry that is being reported on my account. This account is only being reported on my experian credit report. It is not being reported on XXXX or XXXX bureaus making this inquiry invalid.
Product: Credit card or prepaid card

I received an offer for a credit card fro Citi in XX/XX/2018. They offered e a {$200.00} statement credit. I applied for and received the card. I used the card for the required purchases. I have contacted them 5 times and they can not tell me when they will issue the credit. They tell me to call one number after another. No one can help, either they have no idea, and tell me to call tomorrow, or their system just crashed and to call in 2 hours