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

I have had a checking account at Capital One 360 for 12 years with no problems. 
In XXXX of this year, they blocked my access to my online checking account. 
I called Capital One 3 times and once spoke to a manager. 
They said it was because I would not give then a phone number in order for them to text me. 
My account is an online account. I would rather they send me an email. This has been sufficient method for 12 years. 
I do not want to buy a smart phone so that they can text me. I am XXXX years old and don't want to wrangle with the complexity of a smart phone. 
For them to block access to my account during the pandemic was very crude business and created hardship for me.
Product: Credit card

Multiple cards that I hadn't really ever used and when I did I got notices they lowered my credit from where I was using a reasonable amount to I had maxed out my cards. They ruined my credit! I went from a XXXX to a XXXX! I have had credit with them for 7 years. I have had far larger balances and always paid them.
Product: Credit card or prepaid card

On XX/XX/2021 I paid off my Nordstrom credit card bill for {$490.00}. It is now XX/XX/2021 and the payment has not been applied to the account yet. When I have called their customer service number I have not been given a timeframe for when the payment will be applied. They have also said that is uncharacteristic of me to make large payments on the account and that is why the account is under review. I find this insulting and their statement is untrue. In a 12 month period I will make 2-3 large payments towards my debt. The rest of the time I pay between $ 80-100, more than the minimum.
Product: Credit reporting

First issue I can not obtain a copy of my credit file anywhere, I never placed a lock on my credit file. Second I have disputed the following items many times and no response back. Your company is violating my rights I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX {$46000.00} XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX ORIGINAL DLA IS PAST THE STATUTE
Product: Credit card

First Progress is paid off and closed. I've reached out to them to remove the closed account from my credit. I also dispute it with all three credit bureau and still it's being reported and still on my credit. 

XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still being reported on my credit XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still it's being reported to my credit
Product: Money transfer, virtual currency, or money service

I was getting random {$19.00} charges every day on my Navy Federal Card that I wasnt authorizing about a year ago and now my account has been closed and Im {$130.00} in the negative. I brought this to the attention of the NFCU support team and nothing was done in response. I still owe {$130.00} to this day
Product: Checking or savings account

Someone is fraudulently opening bank accounts in my name with Bank of America. In the past it has also been with XXXX XXXX and XXXX bank as well. I also had some open up XXXX account in my name as well. I have credit freezes on all three credit bureaus, and fraud alerts on my account that should help prevent accounts being opened under my social security number.
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 XXXXXXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions tried to have the credit reporting agency remove some inaccuracies for my personal information on my credit report. The reporting agency has some addresses listed as " apts '' that are not. The agency has some unit numbers listed incorrectly on a number of occasions. The agency has a great amount of addresses that are listed incorrectly ; i.e. apartments, single family, business, and WILL NOT remove them. Furthermore, my legal name is either repeated or reported incorrectly and these illegal entries are reporting falsely on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 Citizens Bank mailed my usual payment to XXXX XXXX, to the address provided that is on the bill. However the check on XX/XX/20 was cashed by another unknown party and not XXXX  XXXX.check value {$100.00} The same thing happened on XXXX/XXXX/20, someone other then XXXX XXXX  cashed the checked.Checked was cashed by another party then the above but again not XXXX  XXXX. Check valued {$200.00} Citizens has filed paperwork with those banks that cashed the checks and still have not heard back to get my {$300.00}. back that I owe for my electric  bill. They stated the other banks had 7-10 days to respond back and they have still not responded back to Citizens and I am still out {$300.00}. for my electric   bill. Then I was told it would take 6-8 weeks and Citizens has exceeded that. I'm not sure how Citizens can not do anything with check fraud to recoup the lose other then waiting to hear back from the other banks. 

I have checked a minimum of 2x a month if not more to follow up with Citizens on update and as of XXXX/XXXX/20 Citizens still have not heard back from other bank. Citizens states they can't do anything until they hear back from those banks to get refund so in the mean time I have had {$300.00}. not paid on my Electric bill and has held up my money since XXXX. 

This complaint with Citizens was filed on XXXX/XXXX/20. Fraud complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 My family sat in on a presentation at XXXX in XXXX XXXX Nevada to learn about a travel program by a company called XXXX XXXX. We were told at that time that it was a month by month plan and it would save us money on airline travel, cruises and motel stays. When we arrived at the presentation we presented them with a debit card and our drivers license for verification purposes. We were told that the monthly fee should we decide to proceed with the plan would be {$80.00} a month. It also came with a FREE cruise and airline tickets just for listing to the presentation. 

I do not remember signing anything nor did I receive copies of any contract. However, on XX/XX/2018 I noticed a fee of {$170.00} that had been deducted fro my checking account ( statement included ). At this point I went through my emails to see if I had in fact been contacted by XXXX XXXX and I located a welcome letter. I did NOT receive any additional information or proof on me joining a membership or entering into a contract. I called the number on the welcome letter and explained the situation and indicated I did not feel I had actually joined or signed up for anything and I requested a call back from a representative. I also sent a reply email to the email address in which I had receive the welcome letter stating I wished to cancel any contract I had with their company ( email attached ) .I have never received a call or an email response and I immediately called my credit union and stopped all future withdrawals from this company. 

I consistently receive emails stating that my card on file needs to be updated to deduct my payment. Again, we met with a representatives from XXXX XXXX XXXX XXXX years ago and have never received proof of membership or in any way utilized the service they promised. I have no idea what the amount of {$170.00} which was deducted from my account went towards I researched XXXX XXXX online and have attached documentation from others who also have experienced the similar outcome as I have after sitting through a presentation. Also, they indicate the company is also known as XXXX XXXX. 

I am not requesting a refund however, I would like to have the negative collection status by XXXX XXXX removed from my credit report immediately. It indicates a {$3200.00} outstanding amount which I have NO idea what it is even for since the presentation indicated a month by month, cancel at any time with no penalty program. Again, I do not believe I even signed up for anything! Interestingly enough, it also indicates on the credit report : Placed for collection : original credit XXXX the membership inc : dispute resolved : customer disagrees This is a lie, this dispute has never been resolved and yes I do disagree. I have never received a return call explaining this situation. 

We are currently trying to refinance our home and this negative credit reporting is detrimental to that process. 

Thank you in advance for your time and attention and I hope that we are able to remove this collection status immediately.
Product: Debt collection

I have disputed this collection with the major credit agencies, This company removed the collection and reported it again under another collection agency with a very similar name.
Product: Credit reporting or other personal consumer reports

After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My data and personal information was compromised and I noticed that from analyzing my credit report.This took place since 2020 when I let XXXX, XXXX and Transunion. Know that there was fraudulent and inaccurate accounts and info on my credit report. I'm not sure if the cause was from me losing my wallet on a construction site at the time when I were at work or it could of been from a data breach from XXXX which I was a victim of according to the link XXXX have to fill out your info if you may be a victim of identity theft and your data was breached and I were a victim but this took place before the data breach and from my understanding my info was leaked on deep web.
Product: Checking or savings account

I attempted to purchase a CD from Citibank online. The purchase appeared to be successful but at the end of the process I got an error message that said Citi was unable to create an account and I should go to a branch. I visited a branch and they were unable to create the account but they informed me that if the money wasn't withdrawn on the same day, the transaction would be cancelled. As a precaution I disabled the XXXX access to my XXXX account that Citi had requested. The next day I purchased a CD from another institution. Today I discovered that my XXXX account was overdrawn because Citi had withdrawn the funds. I called Citi several times in an attempt to resolve the issue and cancel the CD. They informed me that the CD can not be cancelled without penalty, yet they are still unable to create an account online for me, so I am left with a product I have no access to ( since they can not create an online account ), which I didn't want in the first place.
Product: Credit reporting or other personal consumer reports

Filed a dispute for accounts and company changed status from charged off to open on credit report in attempt to hurt the consumer credit scores. Creditor has violated consumer credit Laws. The account was charged off and reported to irs for company to receive tax credit. Company needs to update balance to XXXX and / remove from consumer credit report. Creditor was asked for. 1099-C and never provided to customer after 60 days XXXX XXXX is illegally reporting a balance of {$16000.00} XXXXXXXX XXXX is illegal reporting a balance of {$1500.00}
Product: Mortgage

Received " Annual Escrow Account Disclosure Statement '' from Lakeview Loan Servicing. Over paid account by {$4000.00}. Lakeview refunded this amount by check ( # XXXX dated XX/XX/20 ). Lakeview then stopped payment on check but did not notify me by phone, email or in writing. They have current information for each of these methods. I called Lakeview to complain and learned that they stopped payment, reapplied the funds, and paid {$430.00} of my tax escrow account to a company called XXXX XXXX. I have no affiliation with this company, did not authorize this payment and the amount taken from my tax escrow does not match any bill or invoice ( including any supplemental assessments ) from the tax assessor. 

Repeated attempts to reach the Lakeview escrow account people always routes you to a customer service employee who is not able to assist ... but rather reads from the on line screen that I can see at their website. Spent 2 hours speaking to various " agents '' including XXXX ( employee XXXX in XXXX  XXXX ) and someone only identified as " XXXX '' ( he would not give me his name or employee number ). I was twice put on hold to speak with a supervisor ... no supervisor answered after 2-30 minute attempts. 

I called back and asked to speak with someone in the escrow department. Lakeview, like their sister company XXXX, has a policy of not letting you speak to anyone except the " note takers '' that every " phone tree '' leads you to. Even when the note takers admit they can't help you, they refuse to provide you contact information to reach any person that can assist you with your matter. 

Lakeview blocks their number, so when they call, it appears as spam or nuisance calls. All messages they leave only refer you back to the numbers that only go to the " note takers '' ... who we know can't help you. 

This scam to illegally hold funds is conversion. Their practice of debiting accounts to pay unauthorized venders is fraud. Please take steps to revoke any licenses this company operates under and fine them into bankruptcy. 

In the mean time, please research my escrow account and advise. Next step is to sue this disreputable company.
Product: Debt collection

Southern Credit Recovery who represents XXXX XXXX XXXX XXXX and related entities has placed on my credit report medical debt ( bills which I have never received ) for services I had no clear knowledge of ever receiving or who the providers were. When I disputed for verification and information I received a copy of my entire medical file from XXXX XXXX XXXX XXXX. Not only was it not from that SPECIFIC creditor listed on the medical debt. It was 1. one of many " potential '' providers who may have so much as looked at my chart during a hospital stay " whether I saw them directly or not '' and XXXX. XXXX all of my test results, diagnosis, medications, etc. with a legal creditor that has absolutely no barring on charges. That is a violation of my privacy and I would NEVER knowingly allow medical information outside of BILLING to be with some stranger for the collection purposes of a debt. I filed a HIPPA complaint ( attached ) with the DHH.
Product: Credit reporting or other personal consumer reports

I DIDN'T OPEN THIS ACCOUNT LISTED IN THIS REPORT, I NEVER GAVE ANYONE PERMISSION TO OPEN A ) XXXX XXXX XXXX ) CREDIT CARD IN NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I WAS NO LONGER LIVING THERE WHEN THIS ACCOUNT WAS OPENED. I MOVED OUT FROM THAT ADDRESS ON XX/XX/XXXX. 

( XXXX XXXX XXXX ) ( ACCOUNT # XXXX ) ( OPENED DATE : XX/XX/XXXX ) ( FRUDULENT AMOUNT CHARGED : {$270.00} )
Product: Checking or savings account

Theusday morning my company deposit my paycheck, the bank said they are having technical issues and they havent posted my money.
Product: Debt collection

Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''
Product: Mortgage

My mortgage has been paid in full but it's still reporting on my credit report opened and reporting a balance and it's affecting my ability to obtain new credit.
Product: Credit card or prepaid card

I received an invitation to apply for the American Express Business Platinum Card and receive XXXX membership reward points on XX/XX/2023 offer expiring XX/XX/2023. I received another email 20 hours ago XX/XX/2023 @ XXXX. When I attempted to apply I receive the error message : " We are sorry. 
Prefer to apply by phone? XXXX XXXX our system is not responding. Please try later or call us at XXXX to apply for a Card. We apologize for any inconvenience. To learn more about other flexible solutions you can use to manage and grow your business, please return to American Express Business Credit Cards. '' When I called the number they attempted to bait and switch me to another lesser offer and told me to clear my browser cookies, that they were unable to allow me to apply for the offer over the phone and the online system erroring caused me to not be able to apply. I spent over 2 hours on the phone and was not allowed to apply to the individual offer sent to me.
Product: Credit card

Complaint against XXXX XXXX and Bank of America : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX. 
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said " I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do?
Product: Payday loan, title loan, or personal loan

To whom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
EAGLELOAN Account XXXX : XXXX Please remove it from my credit report. 


I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.