23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got the care credit card before they were owned by syncrony bank. Anyways, we used it because our dental insurance did not work for my husbands treatments. I was not explained that you needed to write in each time or call every time you made a payment in order for it to be going towards the right purchase to be paid off in time.
Product: Credit card

We are holding the credit card ending with mercury bank on XXXX XX/XX/2024, there is transaction of USD XXXX happen on the card which was not authorized by us. ( Merchant name XXXX XXXX ). It was fraud. We had provided the all details with bank, but bank haven't register the chargeback, and did not provide the reason for registering the chargeback.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was XXXX XXXX XXXX XXXX XXXX, that was 100 % the other persons fault, which left my car totaled in XXXX of this year. This happened while I was finishing my XXXX XXXX XXXX XXXX XXXX XXXX. My phone was broken, I had no car, I XXXX XXXX XXXX and had no way to pay the minimum payment on my XXXX credit cards I had while pursuing my degree. I was able to make minimum payments until about XXXX but after that I was not. I contacted a Chase representative in late XXXXXXXX XXXX XXXX and I was told if I was able to make payments to the accounts all of my late fees would be dropped and my accounts would go back to good standing. I was able to make the payments in XXXXXXXX XXXX XXXX ; I paid {$380.00} XX/XX/XXXX to my XXXX XXXX credit card and another {$110.00} to the same card on XX/XX/XXXX. I also paid {$230.00} to my student credit card on XX/XX/XXXX and another {$230.00} to the same card on XX/XX/XXXX. All payments made over the phone. I was under the impression that my accounts were back to good standing and at no point did any of the multiple representatives I had been talking to leading up to these dates say that my accounts were closed. It was not until XXXX when my available credit was not available that I noticed my accounts were closed. I called Chase and they said yes my accounts were closed on XXXX the XXXX, which is after I made payments to my cards. When I asked why I was not notified of this I was told a letter was sent out on XXXX the XXXX stating to me that my accounts were closed. So, the accounts were closed after I made payments and I was not notified until a month later. When I tried to get my credit cards reinstated I was told there was nothing they could do. This has affected my credit and my ability to get XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to file a formal complaint against Capital One for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Capital One detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Capital One rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer rights and privacy. 

I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Capital One is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that [ Credit Card Company Name ] fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 
Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Capital One and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.
Product: Credit reporting or other personal consumer reports

I was shocked to see my credit report filled with inaccuracies when I checked this morning. I review it regularly and never expected something like this. I even refreshed the page, thinking it might be an error, but the wrong accounts were still there. I am urgently requesting a thorough review of my documents so I can avoid further anxiety over this.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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

On XX/XX/XXXX, I became aware of several issues due to a mortgage company performing a soft pull on my credit without express consent or authorization from me. In fact, I never contacted or spoke with XXXX XXXX. They mailed me a copy of my credit report, and it stated that I have a Code XXXX : Too many consumer finance company accounts. For some reason, my XXXX  account was " unfrozen '', which I had placed a request at least 1.5 years ago for an XXXX  account freeze. 

On XX/XX/XXXX at XXXX, I called XXXX  and spoke with agent XXXX . He stated that the " too many consumer finance company accounts '' were because Oasis Financial did 2 " hard pulls '' on my credit : XX/XX/XXXX, and XX/XX/XXXX. l have a worker 's comp case that has been active for over 2 years now. I was assured by XXXX at Oasis that Oasis " never pulls credit '', because they have a lien against the case. I was told this several times by XXXX, but Oasis went and did a " hard pull '' on my credit without my express authorization! I was told by XXXX at XXXX  to : 1.File a complaint with the FTC 2 . File a police report, which I will do tomorrow. 

XXXX also placed a Fraud Alert on my account, which will be relayed to the 2 other credit bureaus. The Fraud Alert Number is : XXXX. I need to 2 " hard pulls '' against my credit! taken off, because I was assured several times by XXXX and other associates that Oasis does not check credit, which is untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about XXXX XXXX XXXX  inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, XXXX, and Experian for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax and XXXX requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both XXXX and Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights has violated. 
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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There is an error on my consumer reports. The consumer reporting agencies ; XXXX, Experian and XXXX, are reporting unverifiable collection accounts on my consumer reports. I was never made aware of such collections however they are appearing on my report. Additionally, in violation of both the Fair Debt Collection Practices Act and Fair Credit Reporting Act, these accounts must be removed as it must first be verified in order for it to be furnished to my consumer report.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their high yield savings account. Capital One misrepresented the 360 savings account for having the highest rates, yet failed to notify accountholders about superior rates offered. This obscurity and lack of transparency violated consumer trust and resulted in siginificant financial loss. I seek redress for the misleading practices and failure to fullfill their advertised promises.
Product: Bank account or service

In XXXX 2015, an account was opened with Discover Online Savings Bank in my name. This was a fraudulent account and not requested by me. I have attempted to resolve with Discover direcly, providing documentation and a signed affidavit stating that this account was not opened by me. I have requested proof that its been removed from my name and none has been given. I received a statement on the fraudulent account on XXXX/XXXX/15 still showing the account open and in my name. I called Discover again and was rudely stopped from getting any information about an account in my name, all I was asking was why this account is still showing in my name and has it been closed/marked as fraud and removed from my records. The representative and manager I spoke with refused to provide any such assurances because I would not provide my personal information to " verify '' the account. I did provide the information on the statement but apparently thats not enough. They claim to refuse to provide me with this due to their security verification protocols but its a shame that they didnt do this when opening the account with the fraudster. I have no accounts with Discover and certainly never will based on this horrific experience. 
Please ensure that Discover confirms that this account was opened as fraud and my information and records reflect no existince under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below are the inaccurate accounts from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Bank account or service

I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 years 15 USC 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: Mortgage

XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc . 
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust. 
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.
Product: Credit reporting or other personal consumer reports

I discovered fraudulent charges on my Citibank simplicity card in XX/XX/XXXX when I attempted to use my credit card for a dental procedure. It was declined due to over limit. I was only able to put {$1000.00} on the card of amount due. I immediately checked my account online and discovered fraudulent charges charges online from all over the XXXX. I filed a fraud report with Citibank. Some of the fraud was investigated but others were not. I paid nearly {$200.00} per month on the card until XXXX to ensure I paid the {$1000.00} charge to my dentist. I have a letter from Citibank stating no payments necessary until investigation is completed which is why I stopped paying. I notified Citibank of this. I have recently agreed with Citibank to resume payments hoping to get this resolved. This has affected my credit rating severely. I was refused a XXXX to make home repairs due to this. This was not reported to the credit bureaus as fraud. I am continually being charged interest on purchase balances which I did not make as well as balance transfers which I did not make. There are still hundreds of charges that were not investigated! I have spent countless hours on the phone with the security/fraud dept with often times negative results and getting bounced from person to person that did not seem to know what they were talking about. I feel like I am being treated badly re this situation. Why would I pay my bill religiously and stop in XXXX, XXXX and put myself thru this nightmare. With all that I have paid, the balance is still approx $ XXXX. I really need help with this problem as it has affected my credit negatively. Please help!