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

This is an extension of original compliant : # XXXX in reference to a bank deposit on XX/XX/21. I was instructed that a check would be expedited to me if my payroll department deposited it into the account that I have been restricted from. I was told to contact the Protection Dept directly and they will have notes instructing them to transfer the remaining balance to a savings account and expedite a check. I called on XX/XX/21 as advised however the protection department transferred to me to customer service who did not have information about a 2nd check to be expedited and they transferred back to the protection department. 

I have been withheld from my funds to pay rent, get to work, feed my family, etc. for going on 3 weeks. Capital One has repeatedly given me false information starting with destroying my debit card to yes we sent the check. A check that I will have to pay an extra {$20.00} to have expedited. Now that there is a 2nd payroll deposit, since they have yet to close the account and send me the remaining funds, I will be responsible for another {$20.00} plus fees that they say I have incurred because of this restriction ( please see attachment 1 ). Upon the final decision of compliant : # XXXX, according to the letter ( please see attachment 2 ), I have tried to contact the bank representative, and left several messages with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX
Product: Checking or savings account

The said bank charged me XXXX dollars in overdraft fees -- -- -the account was in the positive -- -- Chase does not respect veterans at all -- -- -- -- -- -- -- -- ----
Product: Debt collection

Trident Asset Management has reported a alleged debt on my credit reports. I have no knowledge of this alleged debt as i was a victim of identity theft. I have sent a letter for debt validation and have hot received a response. I also believe this alleged debt is past the collection statues of seven ( 7 ) years. Trident Asset Management is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
Product: Credit card or prepaid card

Prepaid card of {$200.00} would not work or be activated. 
When I called the number on the back of the card, they assured me that a replacement card would be mailed in 2-4 weeks. 
No card has arrived yet and 2 months have passed.
Product: Credit card

Promotional purchases, such as deferred interest if balance paid off in XXXX, XXXX or 24 months etc, repeatedly not honored. I made a deferred interest payment that is set to expire XX/XX/24. I have made {$870.00} additional payments above the minimum required balance that were not applied to the promotional purchase as one would expect. The consumer has to call to make the correction to have the funds applied during the current month otherwise no changes can be made. 

When making payments over the minimum balance or additional payments, the customer is under the impression the balance for the promotional purchase is reduced as additional payments are made and it in fact is notpayments are applied to all other balances ( other separate purchases that occurred after the promotional purchase ) that may not be on promotional time periods-Synchrony strategically applies payments to other balances to keep the customer owing on promotional purchases so that they expire before they are paid off and customers are hit with high interest that retroactively applies to the purchase. Scammers. 

Synchrony Bank did say they would properly allocate {$670.00} of the {$870.00} total payments after I called to complain, but this has been ongoing. There are previous months where payments were not properly allocated and Im told by their representative that since the month is closed, no corrections can be made to previous errors. Why not do it right the first time? This is completely taking advantage of card owners, working people, people like me who probably did not have the lump sum to afford their medical or dental treatment and turned to Care Credit as what we thought would be the smart and efficient way to utilize credit. Instead we are being misled and charged with penalties when we miss the deadline as a result of Synchrony Banks shark tactics. Another instance of the big bank exploiting and taking advantage of the working class. I intend to pay them off and close all my Synchrony Bank accounts. They are not ethical. What a shame.
Product: Vehicle loan or lease

I have a loan from Ford Credit. I believe I have paid off my truck, but can not verify it since I can not access my account online. I only get the following message : " We are unable to complete your request at this time. Please try again later or contact Customer Support. We apologize for any inconvenience. '' I called their customer service and asked for a call back, but when they called back the agent hung up on me. I tried calling again and waited on hold as long as I could and had to hang up. 

I just need to access my account to see if my truck is paid off. I also need to cancel future automatic payments that are scheduled. All of this needs to be done through the website or with someone on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX, XXXX & XXXX ACCOUNT # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX  XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX   ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. XXXX XXXX ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.citibank stu ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX  XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet was stolen and my id and ss card was in it. And accounts were fraudulently open as I have attached the FTC letter and my id
Product: Credit reporting or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX, and XXXX which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting or other personal consumer reports

A credit card reporting on my account as late, and open from XXXX  XXXX account # XXXX, For XXXX  XXXX and Equifax dates XX/XX/year> to XX/XX/year>. I dont have a XXXX  XXXX XXXX, this is fraudulent. I filed a complaint with the FTC three weeks ago on the XXXX XXXX. This has been a major hindrance on my life. As theyre in violation Per 15 USC , 1681, accuracy and fairness. ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reports. This violate 15 USC 1681S 2, 15 US code 1692E, 15 U.S. Code 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /   2016   XXXX / XXXX /   2016   XXXX / XXXX /   2016  Are all dates that disputes to Experian have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.
Product: Checking or savings account

Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On  XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX  school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.
Product: Debt collection

There was a hospital bill that showed up on my credit profile that went into collections {$1400.00} the company name is One advantage LLC and XXXX XXXX hospital is the Original creditor I sent in my fraud packet on XXXX And Ive spoken to them maybe 3 or 4 times and they are very disrespectful and rude its been over 30 days and they are still giving me the run around its going on XXXX and this debt is still on my credit report and its affecting my credit score. This is the company Creditors phone number XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account number XXXX In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX  ACCT # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit 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. 15U.S.C1681 Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX  # XXXX Account XXXX XXXXXXXX Account # XXXX XXXX XXXX  # XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 USC 1681 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction. 15 USC 1681 c ( 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 then convictions of crimes which antedates the report by more then seven years.15 USC 1681 c 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I opened a Capital One credit account through XXXX to help build my credit. I made my security deposit & received my card. I use it occasionally just to help build my credit. On XX/XX/XXXX, I charged {$110.00} to my capital one account. I do these charges again to help build my credit & I then immediately pay the balance once the balance is posted on Capital Ones app. On XX/XX/XXXX, I made the payment of {$110.00} paying it off. Capital one without my knowledge set automatic payment to my account so by doing this I got charged against for {$110.00} which was set to be paid XX/XX/year> for automatic payment even though I had already paid this balance. 

Today when I checked my credit score, I noticed that my credit score dropped by XXXX points for being late / delinquent on a payment. When I called Capital one, they told me that my balance was {$0.00} & it said the same on the app. When I checked an alert of a " New account '' under the negative options for my credit, it stated that I owed a balance of {$110.00}, the amount if paid. When I contacted them they told me that it was my fault for not keeping track of my account & automatic payment method. They have destroyed my credit when I put trust in them to help me build it. I don't know what to do. They destroyed it for no reason at all other than they tried to steal money from me. I am considering contacting a consumer rights attorney and suing for damages
Product: Credit reporting or other personal consumer reports

i reviewed a copy of my credit report and and i noticed a few accounts that i didn't apply for can you please look into this matter please
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed numerous disputes over and over again wrong information also a vitcim of identity theft