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

On XX/XX/XXXX {$600.00} was withdrawn out of my savings account. My PIN number was changed by an individual that gained access at the branch and withdrawal out of my account the same day. Chase bank allowed someone to access my account without my permission. On XX/XX/XXXX Ive been disputing this transaction for chase to take action on returning the money that was withdrawn. Chase sends me a letter stating We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. 
I did not authorize or receive benefit from {$600.00} being withdrawn by my account. Chase needs to take responsibility for allowing someone to commit fraud and changing my PIN number to my debit card to withdraw money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX & XXXX # XXXX
Product: Checking or savings account

Initially there were unauthorized charges from my Capital One 360 Checking account which were not authorized by me yet at the same time the majority of the transactions never requested a debit card PIN number. 

Upon notice of these unauthorized charges I immediately contacted my bank and requested a new debit card via XXXX mail and to prevent any other unauthorized charges from occurring in the future with the card number that a hacker may have stolen at a gas pump or what the nature may have been. 

I received a notice that my account had been closed at the request of Capital One. While, I am fine with this as I have other large banks that I work with, there was something that disconcerted me. 

Almost 7 days went by after my account was closed with Capital One where I received an email that the fraudulent charges they received prior to my account closure had been resolved and they found no error. 

I disagree with this statement having been a loyal customer for many years and had many funds with joint checking accounts, joint credit cards that are in place with Capital One, etc... 

Capital One Bank sent reversals to my account after Capital One closed my account resulting in negative fees which were not made on my behalf. 

There are several transactions which were reversed by Capital One on behalf of companies such as XXXX, XXXX, XXXX XXXX XXXX Ticket add on to name a few. None of these transactions requested a PIN number which was never provided. This is the result of unauthorized charges. 

The fact that Capital One had chosen to end the business banking relationship and then 7 days later send me a notification of the results for transactions not authorized by me as if there is nothing that I can do is mind boggling. 

I also have a person of interest ( my ex-boyfriend ) who works for Capital One. So the fact that these results are suddenly appearing is once again mind boggling. Also, a matter of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. 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. 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 inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX CO Date Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX  Date Inquired on XX/XX/XXXXXXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting

I would like your help on getting EXPERIAN to do what they are required to due in a matter of Identity Theft. EXPERIAN has been ignoring my notice of fraud on XXXX student loan accounts even though I sent them documentation of the court case and successful prosecution against the person who committed fraud against me and the XXXX and XXXX student loan companies. 

Not only did I not sign any loan agreements, or have knowledge that my name was put on the loan documents but the prosecutor also got a hold harmless document included to protect me in regards to this matter. 

I want these accounts removed from reporting on my credit report and a block placed on these accounts. 

Attached are copies of the court papers with sentence, the hold harmless ( specifically pages XXXX through XXXX ), XXXX of a number of letters sent to EXPERIAN disputing the Identity theft XXXX pages of the EXPERIAN credit report The latest refusal by EXPERIAN to block the identity theft and their decision to ignore me and the facts. 
Total of XXXX pages Note : part XXXX of docs are pages out of sequence but numbered ...
Product: Credit card or prepaid card

Dear Sir or Madam, This is in regards to the up to {$300.00} travel credit offer when I make purchases with my Venture XXXX  card through Capital One Travel. On XX/XX/XXXX, I purchased the {$170.00} airline tickets via Capital One Travel. The card benefit says that I should see the credit in my account within 7 business days. It's been a month and I haven't received the credit yet. 

I called the bank today and the customer service said that I should see the credit in my account within 7 business days, but it XXXX take up to 2 billing cycles after I make a purchase. I did ask some friends who own the same Capital One Venture XXXX  Cards and they told me that it only took them 2-3 business days to receive the travel credit. It seems there is no consistency in giving the credits to the customers from Capital One. 

I'd like Capital One Venture XXXX  Cards to speed up the process of the travel credit of {$170.00} to my account as they did to other card members. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Carmax Auto Finance numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with Carmax being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

Ive requested verification of debt and also I am writing to request a copy of IRS Form 1099-C for the cancellation of debt related to my account, listed below. I believe this account may qualify for cancellation under IRS guidelines, and I would like to ensure that the proper tax documentation is provided. 

For account XXXX
Product: Credit reporting or other personal consumer reports

I never signed with this company. They don't have my signature with their company.
Product: Checking or savings account

I have a consumer checking account through Juno XXXX XXXX XXXX XXXXjunoXXXX XXXX XXXX XXXX ) , that is through XXXXXXXX XXXX and XXXX. I have an account and routing number at Juno/XXXX and all their accounts are FDIC/SPIC insured XXXX XXXXXXXX XXXX cut off/froze all account access to Juno account holders, due to the ongoing litigation regarding the bankruptcy of XXXX. Tens of thousands of depositors ( minimum ) have now had their checking account assets frozen for 11 days ( Since XX/XX/XXXX ). I have filed complaints with the FDIC and Federal Reserve Bank, but they are not taking action. This is a very serious situation, and it does not appear federal regulators are intervening. This is causing a major distrust in the US banking system and named banks/financial firms. I need the money in this account returned to me. Immediately. There are no excuses here. If Juno was mis-marketing a financial product, that is definitely something you should look into. But as far as everyone knows, these accounts were advertised as regular FDIC insured checking accounts. Juno is currently non-responsive and has a non-functioning phone line that just immediately disconnects you. It is impossible to get ahold of them to try to find out what's going on. 

It seems that because the cat 's out of the bag on this disaster, XXXX may be refusing to restore access to accounts because they know ~100 % of the Juno account holders will withdraw 100 % of their funds, and that would essentially cause a run on the bank. 

I am currently unable to access my checking account with {$5800.00} in it ( see attached screenshot ).
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Rural route XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} XXXX Account XXXX XXXX XXXX {$4100.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. {$1500.00} XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$16000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX XX/XX/XXXX XXXX - XXXX XXXX. {$510.00} written off. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$550.00} written off. 

FCRA violations : payments never late XXXX XXXX XXXXXXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open.
Product: Checking or savings account

On XX/XX/XXXX, I opened two new online savings account with Comenity Direct. One account for a savings fund, which I deposited {$690.00} and the other one as a family vacation fund, which I deposited {$1300.00}. It turns out that two additional transfers went into each fund. I noticed it first on Saturday XX/XX/XXXX, an additional transfer of {$660.00} was being transferred to Comenity. I immediately contacted Comenity and requested that they cancel the transfer. The young lady I spoke to told me that she will put in the stop and someone would call me. By the way, it has been 3 business days since my call and I am still waiting for a call back. I also asked her if she saw another transfer being made and she mentioned no, I see nothing else. I called Comenity on Monday XX/XX/XXXX to see what was going on since I see that the money is still coming out of my account. They told me I needed to call my banking institution to stop that, which I did call XXXX XXXX   XXXX but we had to wait for it to finish processing before I could proceed. I called Comenity again on Tuesday XX/XX/XXXX because now an additional transfer was made for {$1200.00}. I called them to stop this and get my money back. I was told by XXXX the supervisor that there is a hold on my money until XX/XX/XXXX. Okay I call them again today XX/XX/XXXX and now they tell me the hold is until XX/XX/XXXX. They have almost cleaned out my bank account and I need to make payments. I have no access to the money they took and I cant get it back. This is ridiculous how a bank can hold your money for no reason especially during this difficult time that the country is going through.
Product: Debt collection

I filed with the FTC an also filed an identity thief report with identitytheft.gov Ive stated numerous times this is not my debt an will not pay it either
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled the Equifax monitoring service in XXXX of 2022, yet I am still being billed every month for the {$19.00} fee. I have called and was told the issue was handled and I would get a refund, has not happened. I have sent emails with the proof of cancellation. I am owed 6 months of fees. I want the service stopped and I want my fees returned. I have tried to correct info to no avail and now they are charging me for a service that is useless. I have exhausted every option to solve this with EQUIFAX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to address a continued inaccuracy on my credit report regarding the account XXXX  ( Account # XXXX ). Despite previous disputes and Equifaxs investigations, the reported late payment in XXXX remains uncorrected. This unresolved error has negatively impacted my credit score and raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 
Summary of Dispute I respectfully dispute the following issue : Reported Issue : 30-day late payment reported in XXXX. 
Accurate Status : All payments on this account were made on time, as demonstrated by my attached payment records. 
Implication : This erroneous late payment misrepresents my creditworthiness and violates FCRA requirements for accurate reporting under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Supporting Evidence Attached to this letter are : Copy of My Government-Issued ID and Social Security Card : To verify my identity.

Highlighted Credit Report : Showing the inaccurate late payment in XXXX. 
Previous Dispute Letter ( Dated XX/XX/year> ) : Demonstrating that this issue was previously raised but not resolved. 
Request for Immediate Action I formally request that Equifax take the following actions : Correct the Inaccurate Late Payment : Update the payment history for the account to reflect an accurate status of " Paid As Agreed Never Late '' for all months, including XXXX. 
Provide Investigation Details : As required by 15 USC 1681i ( 7 ), provide a detailed description of the procedures used to investigate and verify the account information in response to my dispute. 
Provide Verifiable Evidence : If the late payment can not be corrected, furnish documented proof supporting the claim of a late payment, including dates, amounts, and communications from the data furnisher. 
If Equifax can not verify the accuracy of the reported late payment within the 30-day period mandated by the FCRA, I demand the removal of the inaccurate information from my credit report. 
Legal References and Obligations Equifax is obligated to ensure that all reported information is accurate and up to date. According to 15 USC 1681i ( a ) ( 5 ), any unverifiable information must be promptly deleted. Furthermore, per 15 USC 1666 ( b ), you are required to maintain reasonable procedures to ensure that billing and reporting practices are accurate and fair.

Failure to resolve this matter within the legally established timeframe will be considered a violation of the FCRA, and I reserve the right to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Conclusion This matter requires immediate attention to uphold the integrity and accuracy of your credit reporting. I look forward to receiving a written response detailing the steps taken to resolve this issue. Please send any updated credit report reflecting the corrections to the address provided above.

Thank you for your cooperation. 
Sincerely, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case