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

On Saturday, XXXX XXXX, at XXXX XXXX  I went to an ATM to withdrawal the remaining {$1900.00} in my Capital One Checking Account ending in XXXX from my paycheck deposit. Upon first try transaction declined stating I had gone over my withdrawal limit for the day. Untrue. It was my first ATM transaction in over a week. On second try, ATM ( at XXXX XXXX  ) did not process transaction with error message saying the ATM was out of service. On third try transaction was again declined citing me being over my daily ATM transaction amount. ( NOT insufficient funds as would have been the case had I received the {$1900.00} in one of the earlier transactions. ) Thinking it was a problem with that ATM I went to a different bank down the road to try transaction but again received declines stating over my daily limit. I called bank and went through my account in auto transactions where I learned Capital One had posted one of the withdrawals for {$1900.00} as though I had received the money. I HAD NOT. AT NO TIME DID I RECEIVE ANY CASH FROM ANY TRANSACTION. I called as soon as possible ( around XXXX XXXX  XXXX ) and explained the situation to Capital One, was told I had to file a claim. I explained that money was all I had in the world, that I had no credit card or family/friends to borrow from, no food, gas, and missed rent because of this bank error. They said they would try to prioritize temporary funds. I called back every day for an update. On XX/XX/XXXX I was told I did not qualify for expedited credit and would have to wait until XX/XX/XXXX. I CAN NOT wait due to the above stated reasons. I did nothing wrong. This is Capital One and the ATM owner 's issue. I have been violated and robbed.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is FBCS Financial Service was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FBCS Financial Service failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) FBCS Financial Service failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FBCS Financial Service is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FBCS Financial Service is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this  collection account to be removed from my credit report. XXXX XXXX XXXX # XXXX**** has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously attempted to dispute several inquiries that are a result of true name identity theft. I have called and attempted to dispute the inquiries in question and was transferred several times.     The inquires I am disputing as fraud are :   XXXX   XXXX   XXXX   -  XXXX / XXXX / 2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /   2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX / XXXX / 2017
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX or XXXX Is unwilling to remove the account as this person is deceased and they do have death certificate. They are committing fraud and trying to collect on a deceased account
Product: Credit reporting or other personal consumer reports

In late XXXX, right before XXXX XXXX, I met with a XXXX XXXX XXXX panel company representative about installing Solar panels on my roof. This company works with Solar Mosaic, a financing company out of California. After reviewing rebates I decided not to do the project. I cancelled within a couple days with XXXX XXXX, which they said, wasn't a problem and was done within the window of cancelation time. I had to email the Mosaic Company because they were closed on the day the project was canceled. Nothing started or was scheduled so I thought everything was taken care of. 
In early XXXX, I received a letter from the Michigan Department XXXX State - Uniform commercial Code, with a Filing Number & Work Order Number, about a Lien notice. I called Mosaic and talked to a representative on the phone on XX/XX/2024. The representative said they did not get the email so I forwarded it along with the return case number. He said he understood and would take care of it. At the end of XXXX, I received another email from Mosaic stating they needed confirmation from XXXX XXXX to confirm the cancellation. I then forwarded that email to the XXXX XXXX representatives, XXXX and XXXX, and requested they confirm the cancellation. 
Today, I received a notice from my credit monitoring services that a new account from Mosaic was added to my credit report. I tried calling Mosaic because they say they are open XXXX but when you call, the message says they are closed, call back XXXX. I again, forwarded the email request to cancel to XXXX XXXX team and the Mosaic service email address and told them I was planning to report this account as a fraud event on my credit and please cancel. 
Another strange thing is the Account number, company address and phone they shared originally are different than information showing on my XXXX credit report. 

Details : Organization name : Solar Mosaic Mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX Phone : XXXX email : XXXX XXXX : XXXX Lenders License # : XXXX
Product: Checking or savings account

On XXXX I requested to withdraw funds from a bank teller. Bank teller told me immediately to hold on ( I have withdrawn funds before without hesitation ) ; this time bank teller spoke with manager. Bank teller tells me that the funds were in a pending state and were not available for XXXX hours. This was false because I had checked the available balance minutes prior. The funds were available for immediate release. I then asked to speak with a manager. 

The manager had me waiting for 15 min. She came out and told me a different reason as to why I could not withdraw funds. She says that there was a credit hold. Both narratives do not add up at all and was a ploy to stop me from my rights. I attempted to tell the manager that I was an acting power of attorney and I tried to show her paperwork. This manager not once didnt even ask for my ID or to read the document itself. Had she done that she would have known that she was ruling a personal judgement not professional one, one in which she and her teller were getting into personal circumstances. This goes against a power of attorney document.

The manager tells me that I was to file my paperwork with their legal department. I told her that I was at that bank just last week and presented my document to one of their clerks who advised me that there was no need to do so since my name was already on the account, but there was a need to store this paperwork because now the manager and other staff denied me of making financial decisions for my father. They instead made it for me and it was not their call, not their business I asked about the credit hold. The manager refused to give me details, which I should be privy. She just said no one would have access to the account until my father and I worked things out. I told her she is not in an area or field to make that call. She isnt a counselor. She is supposed to abide by the tenants of the XXXX document. 

Not an hour later, several unauthorized withdrawals were made by father who was alerted of my correspondence with the bank. This bank inserted itself in family business, because of this an elderly man is falling prey to financial abuse because there isnt anyone protecting his assets. I am highly upset and concerned about the ethical, banking practices of some of the tellers, the manager at the Cadence Bank in XXXX.
Product: Credit card or prepaid card

I opened a dispute with Citi several months ago. Dispute number XXXX. They said they conditional credit applied, but it was not applied. They said " this case will close no later than XX/XX/2022 ''. Today is XX/XX/2022, and its still on going.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. Validate account XXXX XXXX Account XXXX : XXXX Please rmeove it from my credit report XXXX. Validate account XXXX XXXX XXXX Account Number : XXXX Please rmeove it from my credit report 3 The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

today is XX/XX/19 i pull my experian report come to found out they report fraud accounts on my report i have tried 5 to 6 times to dispute the accounts with them and they comes back with in 5 min saying verfied it aint no way in this world they could have dispute the accounts in 5 min its a disgrace with EXPERIAN i have a FRAUD elert on my account now for a couple months here are the accounts and this is the catch they have been remove from equifax and XXXX accounts .... # XXXX XXXX XXXX XXXX its been remove from equifax and XXXX but not XXXX acount .... # XXXX i XXXX this account also have been remove because of fraud elerts and identity theft but experian will not listen to me i got hung up on the other day trying to expling my concern but no help over there all they say is call the credit copany and i did and they say its up to experian crpb plz tell experian its aginst the law to report fraud accounts on people hard earn credit report its killing my fico score .... Account # XXXX XXXX XXXX XXXX i do not know anything about this account its a fruad account ... Account # XXXX i never had a credit card they saing i had i told them to send me a contracsaying i sign up for this card and they said its veried but i didnt recive no paper work its crazy Account # XXXX XXXX XXXX XXXX i dont know what this is this why i file a fraud elert because someone or somebody putting stuff on my credit report thats are a fraud plz remove its aginst the law .... ALL I want is somebody to stand on my side because talking to experian will not help removing these accounts they dont care about the law all they worry about the money not my credit its the law to report fraud accounts
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Debt collection

Today I noticed that General Revenue Corporations has placed two collections on my credit profile claiming that I owe {$1600.00} and {$1400.00} to the College of XXXX XXXX. I have never even attended that school. These debts do not belong and I don't owe anything. How can I owe a school that I've never attended!!!!?????
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XXXX credit reporting agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Accounts in violation such as follows : Account names, numbers, and addresses : 1. Chrysler Capital, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!
Product: Credit card or prepaid card

I paid for my wedding in XXXX on XX/XX/2022 using my Citi credit card. The total was {$8500.00}. Due to a hurricane, the wedding was canceled. The merchant ( Secrets Hotel ) told me the easiest way to initiate the refund would be to dispute the charge with Citi so they could accept and return the funds. I opened separate disputes for the initial {$500.00} deposit and the subsequent {$8500.00} remaining payment. 

The initial response from Citi was to put a conditional credit on my account and ask for documentation. I sent Citi 's dispute department emails from the merchant detailing the dispute acceptance and advising Citi to refund the money. Citi never contacted the merchant, removed the conditional credit, and found me responsible after 2 months. 

I reopened the dispute with Citi. I have continued to call, chat, and email their department with no real response. The merchant advised me that they were contacted about the {$500.00} initial charge and approved it, but that dispute is still sitting open, as well. They still have not been contacted about the {$8500.00} dispute, despite the fact that it has been open for 4 months now and I have had to pay the balance. 

When I speak to anyone ( phone number for disputes, chat, email, etc. ), the standard response that they are reviewing the information and will reach out to me in 7-10 days is all I get. I am so confused as to what they could possibly need and what action is actually being taken. They have emails from the merchant asking them to refund the funds and they still have not even contacted them regarding the larger amount. As for the smaller amount, the merchant has approved after being contacted but the money still has not been returned to me and the dispute sits open. This is over {$9000.00} of my money that Citi is holding on to, with no real way to get in contact or escalate to someone who can take action beyond the standard " wait longer '' response. The standard guidelines for disputes are in place for a reason, and Citibank is in clear violation of them in both of these cases.
Product: Credit card or prepaid card

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the persistent challenges I have faced in attempting to rectify late closed and charge-off accounts on my credit report. Despite numerous attempts to dispute and remove these inaccuracies, my efforts have not been successful, and the negative entries continue to impact my credit standing. 

I have submitted multiple dispute letters, both online and by mail, along with supporting documentation, including payment records, statements, and any other relevant materials, to substantiate my claims and assist in the investigation. Despite these efforts, the late closed and charge-off accounts persist on my credit report. 

I demand that you conduct an immediate and thorough investigation into these matters and take prompt action to rectify the inaccuracies on my credit report by removing the late closed and charge-off entries. The persistence of these entries has caused undue stress and has a significant impact on my financial well-being. 

Additionally, I request regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed urgently to prevent further harm to my credit standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX XXXX XXXX Balance Owed : {$3000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
3. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
4. XXXX XXXX Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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 information in section 1637b was mailed to the consumer no later than 21 days. 

XXXX XXXX Credit Card - XXXX, XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XX/XX/year>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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

USA Service Finance LLC has repeatedly violated FCRA regulations by reporting in accurate information on my credit file. I began requesting this debt be verified beginning XX/XX/2021. USA verified the inaccurate file and then continued to report it with correcting the file. ( See attached file from XXXX XXXX  ) This is after several filed disputes with different agencies. And according to XXXX and XXXX, USA SERVICE FINANCE only updated the account after I filed a XXXX complaint in XXXX. AND ONCE AGAIN VERIFIED the Inaccurate data, choosing the highest balance of the two previously reported balances. ( See Attached ) Open date, payment amount, and last payment date are all different & incorrect. ALSO, data furnished does not match the verification letter report! Instead of deleting the file per my request USA SERVICE FINANCE continues to report causing actual damages to my credit file. I will be submitting a drafted complaint with the current Attorney General, XXXX XXXX, if this account is not removed immediately.
Product: Student loan

I have 22 ineligible payments I was told due to being " paid ahead. '' I was told these can be changed to eligible with a manual recount which was submitted. For the past year I have called every 3 months and have also submitted my employment certification form but the count is never adjusted.
Product: Credit card or prepaid card

Please refer to previous complaint ID XXXX. 
XXXX XXXX re-opened an investigation after my first complaint. 
They send a Account Originating document that did not have a signature.

The second " investigation '' concluded with the exact same explanation of : " Account opened greater than one year with verifiable payment history ''.

Synchrony did not send and other documents, or give any other explanation.

My explanation to them was that a " known '' person hid this account from me, and did make payments out of their " private '' account.

I discovered the Credit account in XX/XX/2018. The " known '' person continued to make payments until XX/XX/2018, and has now stopped. So, I am stuck with an account that Synchrony hasn't provided a signature of who opened it.

For the first time today, I registered online to access the account and make a payment, to avoid a late fee. I pray this doesn't constitute my " authorization, or agreement '' as to this account, as I insist that I protest it's existence.

I am not able to have a legal battle with a company the size of Synchrony.

If anything, I want to let it be known how easy it is to open a credit account using the personal info from someone else.