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

Capital One put a block on my Capital One 360 card due to fraudulent activity. They told me they would send a new card within 3-5 business days. However, they originally sent me a card with the exact same card number so they had to send me out another card which I still haven't received and now I am going on the 6th business day with no access to my checking account. Capital One originally offered to expedite a new card to me for a {$25.00} fee. That is my complaint. This is an unfair practice. They should not charge me a fee in order to access my account.  They should be willing to get my card to me as fast as possible in order to access the funds in my account after fraudulent activity has occurred in it.
Product: Debt collection

Capital One Bank credit card in the amount of {$470.00} is trying to be collected by the company but I have explained this is not my account and I am a victim of identity theft.
Product: Debt collection

I called and canceled my XXXX service in XX/XX/XXXX because we moved and sold our home where services were registered. The rep wouldn't take no for an answer, but after more than an hour of arguing with them to cancel, not suspend my services, they finally agreed to cancel effective XX/XX/XXXX. Turns out, they ignored my request to cancel and ended up suspending the account for 6 months. I started getting bills again in XX/XX/XXXX and charges started accruing on the account again. Between XXXX and XX/XX/XXXX I called XXXX XXXX times and finally got them to close the account in XX/XX/XXXX, but not before {$560.00} had been accrued on the account. The rep told me that if I didn't pay that amount, the account would end up in Collections, but that only the XXXX Corporate Office could authorize cancelation of the amount due. The rep informed me that they submitted an " Escalation to Corporate '' and I would be contacted with two weeks. After not being contacted by Corporate, I called the rep back and they informed they submitted a second escalation. Again, I never heard from them. A few months later I start getting collection notices from Credence Resource Center. Since then I have disputed the charges with Credence twice, with XXXX twice, placed several more calls to XXXX, and submitted a complaint to XXXX 's compliance office ( never heard back from them either ). Every time I dispute the charges, all XXXX does is send the statements from between XXXX and XX/XX/XXXX to " certify '' the charges with absolutely no mention of the more than 20 times I have attempted to dispute the charges as fraudulent since they were placed on my account several months after I initially canceled the account because we no longer lived at or owned the residence where these services were located. As a result of this, my credit score has dropped by nearly 100 points.
Product: Debt collection

I got a phone from XXXX and when I seen they was charging me more than I was told they said it was other phones on my account that I didnt authorize. I told the manger he said not to worry it will drop off my credit after some years I dont know but I wasnt paying for phone I never had gotten. This is affecting my credit I want more information on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA FSB will not honor a divorce degree regarding debt. The legal documents showing me having XXXX liability for the specific account have been provided to them several times. Hours of phone calls and being transferred to countless departments. Now they have lowered my credit score by 48 points. Claiming my credit card is past due. A credit card that I have not needed to pay nor been liable for in almost 6 years.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Can you please check the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Debt collection

In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for XXXX more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( Transunion ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report.

I have now realized that this same item was REINSERTED onto my credit report!

In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the XXXX, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I disputed the above address that I have never lived at with Experian Credit Bureau XXXX 

They are reporting that it is my current address. I don't live at this address. I currently live in XXXX XXXX. 

I disputed the reporting of an incorrect address on my credit report. I do not recognize, nor have never lived at this location. 

I asked them to remove the erroneous information, and Experian said they did a complete dispute in less than an hour and will not remove the address. 

They are asking for proof that I never lived there. I have no idea how to gather information of an address I don't recognize or have any idea why it is appearing on my report. 

Experian wants me to contact the original creditor. I have no idea who is reporting he address in question Experian refuses to reopen the matter to investigate further. 

I feel this is a case of mistaking identity and ask Experian to remove the address in question from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A wire transfer was sent to me from XXXX XXXX  XXXX XXXX for {$1.00}, XXXX on XX/XX/XXXX, a Friday. When the money had not arrived by mid of the next week, I called wells fargo and they said they did not see any wire transfers my way. I reported this to XXXX XXXX XXXX XXXX and they opened a tracing investigation. Last Wednesday, XX/XX/XXXX, almost a month later, XXXX XXXX  informs me that wells fargo has been holding my money for weeks in Compliance, even though wells fargo told me multiple times they had not received a wire transfer at all. I called Wells Fargo again on Thursday, XX/XX/XXXX, and i asked the rep to check with compliance. They finally admitted they have been holding my money due to an address error and now was cleared and would get the funds by Monday XX/XX/XXXX. The rep gave me a confirmation number XXXX XXXX XXXX XXXX and told me it was the consumer internal wire dept. All the calls are recorded by wells fargo as well so there is proof of this info. I called wells fargo on XX/XX/XXXX to find out why I had not received the funds and now I was being told that they do not see any wire transfers from that transaction. The supervisor XXXX was extremely dismissive even when I asked him to listen to the prior conversation and even gave him the compliance tracking number. I was given on Thursday. I now still don't have the money sent to me, over 1 month later, and no one seems to want to give me my money. I just need my money released and I'm tired of calling every couple of days. Only 1 rep was able to locate the money and now i'm being told it is non existent. XXXX XXXX  XXXX XXXX has also not received the funds back so wells fargo still has the funds
Product: Debt collection

Never received anything in writing from the collection agency. Continuing to pay the creditor but have no written trail of anything. Not even sure what the bill is for, how much I still owe, or what has been paid. All communication has been over the phone.
Product: Debt collection

According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL BE THE SECOND COMPLAINT ABOUT XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
The account listed are not transactions done by myself.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX, Contests of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that ALL 3 Credit Reporting Agencies XXXX XXXX XXXX, XXXX XXXX and Experian, block information on my consumer FICO Credit Report that is the result of identity theft or fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX  opened XX/XX/XXXX, account XXXX, another credit card at XXXX XXXX XXXX on XX/XX/XXXX, account XXXX, An auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX, account XXXX. These accounts and additional listed within the complaint filed on this website, have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have sent complaints about the Hard Inquiries involving these accounts that I do not recognize as well. I have placed a complaint with FTC, FTC Report Number : XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit accounts are the result of Identity theft and fraud.
Product: Checking or savings account

Date -XX/XX/2019. USAA restricted any acces available to view and make transactions from my checking account, they restricted my debit card also. All of this without notice, I called them the same night and even the next day, they assured me it would get resolved within 3 business day, they did not provide me with any other information as to why they did this without notifying me. When I called on Friday XXXX XX/XX/2019 I spoke to a male usaa customer service rep and I then expressed my concerns with being able to purchase groceries for my XXXX small children and gas for my vehicle He then sated you will be able to use your debit card so I asked him for my avaiobalance in which he said XXXX ( I dont recal exact amount but it was over XXXX. I knew this was correct because my check from work had been deposited the previous day. When the call ended I was upset but at the same I felt ok since I was still able to use my debit card to take care of my kids and transportation needs. As I left work for the day I realized I needed gas to complete my 1 hour and 30 minute commute from work to home. My card was  declined at the gas station, I called usaa again and a lady on the line stated that the information was incorrect my card was also restricted.i was shocked and very upset, I depended on this company and trusted their word. Now I was left stranded far from home, I called several times even reached out to them on social media via messenger. They could not help me at all, and suggested I call friends in the area to loan me money.. I dont have family or friends nearby..I even begged with the representative to at least allow more use XXXX $ ( of my own money ) to at least make it home..but they cold not help me..I waited for a resolution and nothing..they basically said I was on my own and had to figure it out myself..I was left stranded and without any access to my own hard earned money or available friends or family to help me out. I was forced to beg for money from complete strangers for me to get home. I am a XXXX veteran   diagnosed with XXXX, XX/XX/XXXX as a result of a deployment in support of XXXX XXXX XXXX. This situation heightened my symptoms and I now that I am home with my kids, I am being forced to sell personal belongings in order to purchase food for my kids. All of this because I trusted USAA and left my money in their hands.
Product: Money transfer, virtual currency, or money service

I had problems with a purchase made through PayPal and attempted to resolve it with the company through PayPal " consumer protection '' services. During the process PayPal 's process ; they sided with the Company with little to no research on the matter or in addressing what I said the issues were. The company offered me a 30 % discount and I attempted to change my ticket to mirror this ; however, they would not allow the ticket to be amended and only provided me with the options to cancel the ticket or provide a tracking number. It appears they are acting adversely towards consumers with their practices which I take as deceptive based on their promise to have protections. They would not allow me to open a new ticket to reflect the issue and instead said I had to resolve it with the company. This is a clear violation of 1005.11 ( e ) by not allowing a consumer to reassert a different issue with a transaction when new facts become available. I don't expect a response from PayPal but think the CFPB should look into their practices under EFTA.
Product: Credit reporting or other personal consumer reports

I opened two credit cards with XXXX XXXXXXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied XXXX benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!
Product: Checking or savings account

On XX/XX/XXXX, I received the email copied below : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : XXXX XXXX  We understand this is inconvenient, but protecting against fraud is a top priority.

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 
Heres what you should do Please call us at XXXX soon to see if we can address the issue. You can also call the number on the back of your debit card or on your account statement. We look forward to speaking with you. If weve already spoken and resolved this, you dont need to do anything else.

While the account is restricted, heres what to expect You cant withdraw money or make purchases.

You wont be able to sign in to chase.com and the Chase Mobile app.1 We may reject direct deposits and automatic payments, so please notify companies that send or receive these transactions.

We may not honor checks associated with the account.

If we close the account and there is a remaining balance, well send you a check by mail to the address on file. You should also destroy any checks and debit or ATM cards associated with the closed account. 

We apologize for the inconvenience, and we urge you to contact us as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, Customer Support Team I called them immediately and I was informed by the rep that the bank had decided to close my account and they were not allowed to disclose the reason. I could not log into my account or do anything. I called again in the evening, and I was told to call back the next day to speak with an investigator. 

On XX/XX/XXXX, I received the email below : We posted a new notice or letter in your Chase Mobile app and at chase.com/statements.

Here 's what it's about To protect against potential fraud, we restricted your account and may close it soon.

We encourage you to read the entire letter, because it contains specific information about your account. 

View your letter in two ways From Chase Mobile, go to your profile and choose " Statements and documents. '' At chase.com/statements, just sign in to your account.

Youll see your letter under Notices and letters.

To view or change your delivery settings, please sign in to Chase Mobile or chase.com.

I could not view the letter since my account has been restricted, I can't log into the account. I was not given any reason for the restriction or the decision to close my account. I called again and tried to explain my transactions but the person I spoke with said the bank 's decision is irreversible. I have been banking with Chase since XXXX. It is perplexing that the bank can unilaterally close my account without at least giving me a reason. I was told I would receive a letter and a cheque with my balance after the account closes in 10 business days after my last transaction!
Product: Bank account or service

Wellsfargo refuses to discharge it 's debt to the legal owner of that debt. Because they refuse to recognize the legal holder of that debt as the legal holder of that debt. 

I have a check given to me by my employer cut on wellsfargo paper properly filled out, even tho I have multiple forms of state ID even an armed guards license even tho my employer even called ahead and told em I was coming. I have no reason or want to own a credit card or debit card I refuse to have any direct business with any bank, I have no reason or want to travel outside of this country I do not need a passport. 

And even tho I have enough ID on me to prove OUT OF HAND to a judge in court or a COP ON THE STREET. 

I ACCORDING TO WELLSFARGO DO NOT HAVE ENOUGH ID TO GET MONEY THEY OWE ME. 

They told me to go to a check cashing service. 

XXXX WELLSFARGO THIS IS YOUR XXXX CHECK WHERE THE XXXX ELSE AM I SUPPOSED TO GO WITH YOUR CHECK? 

And WHEN THE XXXX DID CORPORATE PLASTIC BECOME ID? 

I can not open a XXXX bank account with a credit or debit card can I? Who the XXXX is wellsfargo to step in to the XXXX territory of local state and federal government by trying to pass thier XXXX corporate plastic like it is as good as a federal passport. XXXX.