23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, XXXX I telephoned Capital One credit card customer service requesting a dispute to get my money back because the merchant XXXX had failed to provide wireless service to wife and I ... after giving them XXXX attempts to make it work : my dispute case number is XXXX. I was disappointed that Capital One 's process was not as efficient or believing me like XXXX staff have been in the past. Also, I have been this bank 's customer since XXXX and this was my first dispute request. 
I received a letter XXXX XXXX XXXX requesting details from me and copies of receipt etc. -- some copies they sent me such as the bill were unreadable except for my signature : On XXXX XXXX XXXX I answered those questions and faxed letter, receipt, etc to a XXXX Support Center in XXXX XXXX XXXX UT. On XXXX I received a letter dated XXXX from this support center telling me they wanted more information. I telephoned immediately and was transferred to a woman in the XXXX and she immediately told me that I needed to send them answers to some more questions. I asked her if she received my fax and she said yes. I asked her to repeat her first question and then I said plz look at the bottom of the first page on my fax and read it to me : it was exactly the answer to her question! She did not admit that, but continued demanding that I answer more questions. I told her this is a very simple case : a wireless provider store has been given THREE ( 3 ) chances to provide wireless service on XXXX brand new smartphones and they have not delivered their service. I want my money back -- and they refused. Before the dispute was settled Capital One put the {$61.00} back on my monthly statement and forced me to pay XXXX who had never for one day provided wireless service to us. How ridiculous! Also, women in the XXXX have continued to call me demanding more information. I feel that Capital One is supporting the unscrupulous merchant XXXX ( how can they stay in business with these practices? ) and for unbelievable reasons labelling me as the BAD guy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to dispute the following inquiries with Experian. These are non authorized inquiries. They wont let me dispute these inquiries online or over the phone. I want Experian to conduct a full investigation on these non authorized inquiries. I would also ask for Experian to delete these inquiries if they cant be verified in the 30days allowed by law. Per FCRA. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2022 I reported to Citibank fraudulent charges of {$120.00}. At the time I owed them {$66.00} which I paid off in full. They cancelled my card sent me another one fraudulent charges continue with that they closed that account and close the account out. Despite several calls since XXXX and they sending me letters admitting they are working on the dispute I still get automated daily harassing telephone calls saying " trying to collect a debt '' -even on Sundays- and letters saying I owe {$160.00} which includes interest even on Sundays. Every month they email me saying my statement is ready but I never received one in the mail. The letters they sent me said my account is closed so why am I receiving statements Citibank has reported negative payments with the XXXX reporting agencies lowering my credit score. I owe them nothing. when I call citibank I get transferred all around with no resolution of the dispute That I initially reported in XXXX of 2022. 

I don't have complete credit card numbers because I was instructed to destroy the cards. I only have last XXXX digits. Original account ended in XXXX. Replacement ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request that your remove the disputed fraudulent account and information off my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : 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 have read that under the FCRA section 605v, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XX/XX/XXXX and XX/XX/XXXX I have spent several days corresponding with XXXX XXXX    about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.
Product: Consumer Loan

TD Bank has a loan on my credit report that no longer exists it 's for XXXXplus dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ : Received a voicemail from XXXX XXXX XXXX Fraud Department ( XXXX ) XXXX stating call was in regards to a recent financial request that was received in my name and to return the call at ( XXXX ) XXXX. 

Immediately, I logged into my XXXX XXXX  and Experian accounts : The following information was posted on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High XXXX XXXX XXXX  got a copy of your Experian Credit Report. 

XXXX XXXX XXXXXXXX made a Bank/Credit Card Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Alert Details Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian as well to report the inquiry is not mine/identity theft. They both confirmed to me that no account has been opened as of today.They are both working on disputing/resolving the inquiry. In the mean time I did set up fraud alerts through my credit bureau for further protection in monitoring in future identity theft.
Product: Checking or savings account

I have had a square account for a number of years. Its my main card for my XXXX subscriptions. I deposited a check for {$100.00} on Wednesday the XXXX. The company accepted the check and apparently cleared it. When I called I was told that my account had been closed but there wasnt any reasons listed. I talked to three different people and none of them helped the problem! My business is very small and every dollar counts!! Then someone transferred me to another department so they could cancel the check and I could receive a new one. However, once transferred the new person said it couldnt be done because the check was already processed. Any other time I put the same check in from the same account and its always ready in 1-2 days. Now they said I have to wait until the XXXX for the check to clear and then I will have to wait 90 days to be able to access my {$100.00}. I was on the phone for hours with no resolve and absolutely no empathy. Further more, I didnt even know they closed the account until I checked my email, which is also not ok considering that email and a physical address is completely different. One is for business and one is for play. They also told me that the co-owner of my business couldnt sit in on the phone calls because he wasnt an authorized person, if the account holder is right here verifying and saying talk freely, it works for doctors but not banks. Absolutely not, I refuse to accept any of that. The money is rightfully mine and I shouldnt have to wait until XXXX to do so unless someone else is going to cover this months expenses. Ive never felt more unheard as a consumer and more taken advantage of. The company chooses to do nothing and is hope its not the same with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year, I've been targeted, harassed, retaliated & discriminated against by Comenity Bank! They have single handedly ruined my credit simply because they can! I have several cards w/them and as soon as I use a card, they decrease the limit making my utilization seem extremely high! I went from a score of XXXX to a score of XXXX to a score of now XXXX! I NEVER missed a payment this year to date! The reason behind this retaliation is lengthy, but I have all of the recorded calls to support my claims! They just informed me yesterday that XXXX voluntarily sends my credit report/score to them and they decrease my limit based on that information however, XXXX denies doing this bc they don't have the technology or manpower to do it. Every letter the bank sends me, states a variation of lies & misinformation! 
I'v been in a deep XXXX bc of this. I haven't had credit in over XXXX yrs and I've decided to start reestablishing my credit so I can secure my future, but everytime they decrease the limit on any random card of their choosing, my scores drop by dozens of points affecting my ability to see any hope of my dreams coming true! The irony is... the amount of proof I have towards this is astounding. 
Their egregious, malicious and retaliatory actions has affected me so badly, I've often considered taking my own life bc they're destroying all hopes of my buying a home! Scores fluctuate, but how can they decrease limits know that score rise again as well?! No on that I've spoken to experiences this with them! 
At the age of XXXX, my dream was to build enough credit within 3 years to buy my 1st home, but they are intentionally & single handedly obstructing any & all progress I make toward accomplishing that! This ENTIRE ordeal has been so traumatic & trying ... I now have to take a mental health break from reaching out to them bc I'm currently seeking medical attention for the severe XXXX this has caused me! 
I have even gone so far as to seek legal advice, but no one specializes in credit fraud, or malicious credit card practices! I have no idea what else to do outside of end my own suffering bc Comenity Bank has completely ruined my life! 
I'm starting over at XXXX and this company is maliciously targeting any progress I make... I don't think I even have it in me to continue fighting a losing battle. 
They've recently gone so far as to cancel a {$450.00} credit card that I NEVER even got to use! 
It's as if someone is watching all of my accounts and everytime I use a card ... within 30 days they're revoking hundreds of dollars of unused credit! I wonder if the same person is behind all this retaliation bc if so, I need to know why and who's doing this!
Product: Credit reporting or other personal consumer reports

These accounts are not my information this is inaccurate balance /account reporting on my credit report
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/ ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$250.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$1100.00}
Product: Vehicle loan or lease

ON OR ABOUT XX/XX/2015 WE APPLIED FOR AUTO LOAN AT XXXX XXXX XXXX,
Product: Debt collection

I hired a fencing company in XXXX XXXX to install a new fence. They damaged my landscaping and did not install the fence per our specifications. They were paid 65 % of the estimate but refused to correct the issues for the remaining balance. Another contractor was hired and paid to fix the fence and the landscaping. The fencing company has now sent the balance to a collection agency who has reported this on my credit without any proof that the money is owed. Collection agency was advised of this in XXXX XXXX and again in XXXX XXXX - no further legal action has been taken by the collection agency or the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Credit reporting or other personal consumer reports

i been asking for verification and documentation providing accurate information on my credit report to make sure its 100 % accurate its been 4 months of disputing that 120 day and no documentation received on XXXX XXXX they deleted a account XXXX XXXX XXXX XXXX  account # XXXX they put back on XXXX XXXX 2024 that breaking the law over and over I'm requesting assignment contract from any creditor thats reporting bad information on my profile please and thank hope I finally can get some help 15usc code 6802 15usc 1682b 18usc 1028 plz remove these item or
Product: Debt collection

I have tried to explain this with Midland collection about this account that does not belong to me. I explain to him to the company that I did not authorize it and I have a fraudulent alert on my account. I have a file with the credit bureau in reference to the original company XXXX XXXX XXXX they took out the inquiry off my account and because it was fraudulent and not authorized but they refused to take off the Midland credit collection agency, who is seeking to get money from me That I did not authorize I have written letters and inform them, and they still refuse to remove it from credit report. I asked him to provide me with a signature of where I established a credit relationship with XXXX XXXX XXXX, or a XXXX XXXX credit card. they deleted the inquiry because it was fraudulent, but not the collection because XXXX XXXX insist on me paying money for a fraud They refused to send any proof of my signature or anything else to prove it was me
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 confidentially under 15 USC 1681. 
Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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

I called Transunion on or about XX/XX/2020 to dispute an item as duplicative on my credit report ; however, it was difficult getting the telephone rep to place the dispute due to a language barrier, and the tech was argumentative and inattentive. I just received the dispute results this XXXX, and was shocked to discover the wrong item was disputed. The dispute was for a student loan amount that a mortgage company stated was duplicative. The item disputed was {$170000.00}, but Transunion disputed an item in the amount of {$17000.00}. This is an egregious mistake to make when disputes are often not allowed to be resubmitted. Consumers depend on credit bureaus to keep their credit records secure and correct and to properly investigate disputes because credit issues dictate their lives. This is unacceptable and is not surprising, as Transunion has a track record of receiving and not removing inaccurate information from consumers ' credit reports -- collects trash.
Product: Debt collection

WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2013 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I wrote a paper check for {$10000.00} on my home equity credit line account with XXXX XXXX XXXX XXXX Bank, and deposited it into my Bank of America checking account at a local BofA ATM. I was informed at the time of deposit that an automatic hold would be placed on my check for 7 business days, but that I could cancel the deposit transaction. Having no other way to get those funds from my credit line with XXXX XXXX into my checking account at BofA, I completed the deposit, thinking that what they meant was that the hold would be for " up to '' 7 business days. I confirmed with XXXX XXXX today ( XX/XX/XXXX ) that it received and cleared the check on XX/XX/XXXX, yet BofA still has the deposit on hold and says it won't release it for another 6 days!!! I spoke twice with BofA customer service reps -- on XX/XX/XXXX, after making the deposit, and again today, after learning that the payor bank had transferred the funds to BofA two days ago. Each rep told me the same thing, obviously reading from a script, that the check was in the process of being " verified. '' But obviously it was already " verified '' two days ago when my payor bank cleared the check and debited my account there for the {$10000.00}. 

I am a long-time BofA account holder, and in fact I wrote a check in this same amount on the same XXXX XXXX credit line almost one year ago, and that deposit was not placed on a 10-day hold ( I understand that it is normal for the funds to require 1 or 2 business days before becoming available ). Nor have other checks in the same or larger amounts from other of my accounts at other institutions been subject to an automatic 10-day hold by BofA. The first BofA customer rep I spoke with ( on XX/XX/XXXX ) told me this is a new BofA policy as of XX/XX/XXXX ( which makes sense because a much larger check deposit I made there on XX/XX/XXXX went through without such an extended automatic hold. Yet the paper receipt from the BofA ATM that I received states that the " reason '' for the hold is that " check specific information indicates item may be returned. '' Yet so far from being returned, the check was honored by XXXX XXXX on the very next business day!!!!!! Yet still BofA won't release the funds to my account. 

I can only think that BofA is implementing this new policy in order to discourage its customers from using paper checks, probably because there is some overhead expense associated with processing paper checks and BofA is trying to cuts its costs. Regardless of whether I'm right or not, this automatic 10-day paper check hold policy, especially for a long-time account holder with a history of making good paper check deposits in large amounts, including from the same financial institution the present check is drawn on, is clearly and unequivocally an unfair and deceptive practice on Bof A 's part, and the CFPB should order it to cease and desist immediately from such behavior.
Product: Credit card or prepaid card

Hi My name is XXXX XXXX On XX/XX/2021 I call capital one to despite idm. Was on my charger I mad that pierces after half hour I call capital one spoke with customer service repainted I talk her please cancel the despite. 
I spoke with the merchant big manager he talk me to sent the merchandise back the will give me my credit back on my account.

Im the mean time capital one never cancel my despite the canteen new. The merchant give me credit on my account and capital one did the same. 
No I tried to talk to capital on to remove the credit from my account the refused to remove it. The are continuing with the despite. Every day I see in my account I have credit of {$34.00} the next day I see credit of {$61.00} the next credit of {$44.00} XXXX owe them {$26.00} the put the totes the {$61.00} from the credit the gave me witch I been tallied them to take the {$61.00} the are refusing to do. That why customer have problems with credit cards. I pay all the amount every month XXXX dont owe the nothing except {$26.00} the put that towards the {$61.00} so next month the will asked me to pay them {$61.00}. 
Capital one is the worst bank XXXX ever delta with the thrive and if you not smart enough the will destroy your life. 

Thanks you XXXX XXXX
Product: Checking or savings account

Chase closed my account in XXXX and said they will send the funds in check within 15 business days. It has been three months ever since that happened. I called and visited their branch for many times but they said the case was still under review and was unable to tell me when they will send me the check. Can you please help with this because I need my money back. Thank you.
Product: Mortgage

On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX/XXXX/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX Bank account ending in XXXX was requested to be removed from my personal credit report by XXXX XXXX XXXXXXXX XXXX. Please reference the attached document from XXXX XXXX XXXXXXXX XXXX dated XX/XX/2023 which states the following " we have sent an update to the credit reporting agencies to remove the business credit card tradeline from your credit report as of XX/XX/2023. '' This has taken longer than 30 days to resolve, and the credit bureaus investigation did not resolve the issue.