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

On XX/XX/23 I realized that I no longer had access to my funds. I called Chase Bank on the morning of XX/XX/23 and they notified me that they had closed the account due to a check that I had written for rent earlier this week. This is the second time in the past month I have had my account closed for false fraud flags. I then went into my local branch and spoke with the Branch Manager who explained that this account was flagged due to an unresolved report from a previous time I had applied for a XXXX account. This was especially frustrating since I had spoken to a XXXX branch employee that had told me I had no outstanding issues and I was fine to open a checking account. My money is being held XXXX and I am unable to pay off my cards, pay rent, or for other necessities at this moment.
Product: Credit card or prepaid card

On XX/XX/2023, I received a notice from PayPal that an Invoice for {$1400.00} was made to my account. I had not made that transaction with them, so I contacted them, using the Dispute instructions on their website : I called the number listed. I spoke to XXXX XXXX who gave me Trans ID XXXX XXXX XXXX XXXX, Case ID XXXX XXXX XXXX XXXX XXXX and said the transaction was canceled. I also received a notice stating that the invoice was canceled. He then transferred me to XXXX, in their Account Team. 
Little did I know, at that time, that this was a scam which originated and continued on PayPal for pages and pages of transactions because PayPal did not alert me to the excessive charges. Bottom line, I was scammed out of {$5000.00} from my Bank account. I discovered this on XX/XX/XXXX and filed a Police report as instructed by my bank. 
Going forward, I spoke to several people at PayPal, including a supervisor and a manager, and explained what had happened. Each person I spoke said they understood. 
On XX/XX/XXXX, I received 'An Update about your case ' from PayPal , which said " We've completed our review of your unauthorized activity case, and have determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal history. '' " This transaction ''?? I have 14 pages of transactions, which I sent to them, before I stopped printing them. Further, I've always used them for small amounts, not thousands. They should have alerted me to the excessive charges to my account, just as any reputable credit company does. They have taken no responsibility for what happened to me. And to state that the transactions were not unauthorized transactions is offensive and insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Has violated my rights 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 my account without written instructions.
Product: Credit card

I have called this company multiple times over the past 6 months or so. They refuse to even consider speaking with me about the account even though they have all of my information and opened the account. 

The issue seems to be identity verification. I am only missing XXXX piece of information which is a copy of my social security card. Because of this and only this the company is unwilling to speak to me about the account including disputing a fraudulent charge on the account in the amount of approximately {$200.00}. Because of this issue the balance has ballooned to {$380.00}. This is the credit card company 's issue because they have been unwilling to speak with me about the account but keep demanding payment like clockwork.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Money transfer, virtual currency, or money service

filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Credit reporting or other personal consumer reports

CAPITAL ONE FINANCIAL CORPORATION per the FAIR CREDIT REPORTING ACT is OBLIGATED to report accurate accounting, Consumer has advised ALL inquiries reported are fraud. CAPITAL ONE FINANCIAL CORPORATION is liable under the SEC to follow specific regulations. CAPITAL ONE FINANCIAL CORPORATION Commission File Number Commission File No. XXXX CAPITAL ONE FINANCIAL CORPORATION XXXXXXXX XXXX XXXX XXXX, XXXX, Virginia XXXX Capital One Funding, LLC, a limited liability company formed under the laws of the Commonwealth of Virginia on XX/XX/year> and a wholly-owned subsidiary of Capital One Bank ( USA ) , National Association XXXX is the depositor of the issuing entity. Capital One Funding also structures the issuing entitys transactions. The address for Capital One Funding is XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Virginia XXXX and its telephone number is ( XXXX ) XXXX. Capital One Funding is the transferor under the Capital One Master Trust. As the transferor under the Capital One Master Trust, Capital One Funding purchases from Capital One Bank ( USA ) , National Association and may purchase from affiliates of Capital One Bank ( USA ) , National Association receivables arising in credit card accounts owned by Capital One Bank ( USA ) , National Association and its affiliates. Capital One Funding may then, subject to certain conditions, add those receivables to the Capital One Master Trust. I will be filing IRS form XXXX to audit consumers account. CAPITAL ONE CORPORATION is securitizing consumers accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too nor authorize these inquiries that are reporting to my XXXX report. I did not give not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via Usps certified mail. Is TransUnion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because those inquiries that have no connection to me. If you can provide me a copy of a credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I demand remedy per federal law for my damages that have concurred. Per section 15 USC 1681n ( a ) I am demanding {$1000.00} per inquiry.
Product: Credit card or prepaid card

I have submitted a credit card application for an additional CapitalOne credit card as an existing card holder with CapitalOne. After submitting an application, I have had to contact CapitalOne seven times to get information on why the application was not approved. They declined requesting more documentation. I submitted social security card, and Drivers License. They denied the application again for insufficient documentation and request bank statements, XXXX XXXXs, and proof of residence. After submitting this documentation they asked for me to wait two weeks for approval. I followed up two weeks later where CapitalOne made another mistake and did n't combine the documentation into the correct file. After resubmitting the documentation for a third time I was told that it would be approved after processing. After not receiving my credit card for a month I contacted CapitalOne two more times to discover that my application was declined again and archived. Now CapitalOne is stating that they need to hit my credit again in order to resubmit my application in order to get a credit card that I was told I would be approved for.
Product: Credit reporting

I 've been batting with Experian for the last year to get negative and fraudulent account off my credit report. I 've Called experian and asked what they needed.. I 've called police, the XXXX place. Experian I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on my credit for a couple of months now because I plan on using my certificate of eligibility from VA to purchase my first home. Once I received my initial credit reports that I requested, I noticed that Regional Acceptance ( previous lender ) had charged off the balance of my car loan. I've tried using the dispute process at no avail. My car was originally totaled out by XXXX XXXX XXXX bank back in XX/XX/XXXX. At the time my XXXX XXXX was determined a total loss I owed {$20000.00}. XXXX determined the value at the time of loss was {$10000.00}. This left a hefty balance of {$10000.00}, however I wasn't concerned because I had purchased GAP insurance at the time of my car purchase that covered a maximum of 150 % in case of total loss and I also purchased an extended warranty. XXXX paid their portion. I filed a claim with XX/XX/XXXX, XXXX XX/XX/XXXX for my GAP claim and also reached out to XXXX XXXX ( where I purchased the car ) to file a claim for the refund of my extended warranty. After a couple of weeks, Classic ( GAP ) had sent documents on how much they were sending a check out for ( {$7300.00} ) leaving still a remaining balance of {$2700.00} however, this included an " in house estimate '' for my extended warranty. Upon reaching out to XX/XX/XXXX customer service I was informed that once Regional Acceptance received the actual amount from the extended warranty if their estimate was incorrect, contact them back and they would pay the difference. In the end, the initial " in house estimate '' was incorrect. I reached back out to XXXX and they ask that I request a copy of the check sent from the extended warranty or payment leger proving how much was actually paid so they could adjust the payment and send out a check for the balance. I reached out to Regional Acceptance on several occasions to get this documentation so my balance could be cleared. The last person I spoke with was XXXX XXXX a loan administrator for Regional Acceptance who initial contacted me about setting up a payment plan for the balance. I informed her of the issue I was having surrounding the balance. I was told that she would submit a request for the information I was requesting and I never heard anything back. I reached out again recently and left a message explaining the urgency and I still have yet to hear back from the company. It is unfair that I now have a malicious charge off on my credit report that I did not deserve. This is negatively affecting my purchasing power for my first home. I did everything I could do to insure this company got their money and they dropped the ball. I should not be punished because they did not do their job. A simple copy of the warranty check would have resolved the issue in its entirety. Your assistance in this matter is greatly appreciated.
Product: Credit reporting

Equifax XXXX are reporting me as delinquent on my account which lowered my score. I have contacted my creditors and everyone states I am current on my accounts. NO one is able to explain why my score has plummeted!
Product: Credit reporting or other personal consumer reports

The following inquires were added to my consumer report fraudulently : XXXXXXXX XXXX XXXX XXXX XXXX SYNCB/LOWES XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

In XXXX I submitted a packet to Amerisave Mortgage explaining that we had opened a new business and would not be able to make the mortgage payment. I have never received a response from them unless I called to find the status of the request for mortgage assistance. Since XXXX Amerisave mortgage has had one excuse after another about missing documents closing the request on multiple occasions even though the documents in question were either faxed, emailed or sent through the portal. They claim to never have received them event though I had gotten receipts that the fax had been received. I was assigned an agent to talk to directly but was told the customer is never allowed to talk to them directly that every correspondence had to go through the loss mitigation portal. As of XX/XX/2023 I have emailed the last 2 months bank statements, profit loss statement and the last month payroll stubs to Amerisave Mortgage. In XXXX they said the original packet that I filled out in XXXX was damaged and could not be used and I had to submit a new one. I've read articles that Amerisave does this to mortgages that have equity built up as it's more profitable for them to get the mortgage go into foreclosure.
Product: Credit reporting or other personal consumer reports

Hello, the erroneous information you are reporting on my credit has already been deleted by both XXXX and XXXX and is blocked from reporting, I have notified you countless times of this issue yet you continuously ignored and disregarded my requests to delete it. This is a blatant violation of my rights as a consumer, this has negatively impacted my financial prospects getting me declined for new credit applications which has been extremely frustrating it's taking a toll on my XXXX  health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently a discharged bankruptcy is being reported by Experian and XXXX after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX  2011.
Product: Debt collection

I took my son into the ER in XXXX XXXX. Considering I have shared custody, my son 's father elects to cover medical and provide insurance. My son was under my care, so I was the one who took him in. I presented the Insurance ID card from my son 's father. Later I was notified that the insurance was not valid and have been stuck with the medical bill. Unfortunately, it 's under my name. I am currently contesting this bill in court to have it paid. Bay Area Credit XXXX calls and threatens me with " escalating '' the debt because I am refusing to pay the debt that does not belong to me. XXXX XXXX told me that I needed to pay the balance and if it were him " as the child father, I would n't feel the need to pay it either. '' He told me that I need to pay the balance and then go after my sons father civilly. I can not afford to pay this bill upfront. Had insurance been active, this would n't be my fault to begin with. XXXX XXXX is harassing me and telling me that I am negligent. He refused to send me written documentation of the bill to my updated address. He is using scare tactics and telling me he " will not be able to help me later. '' I can not get this person to send me the bill and allow me to present it to my attorney.
Product: Checking or savings account

I mailed a check to a vendor for almost {$7000.00} and the check was stolen from the XXXX. The thief " bleached '' the name of the vendor, changed it to her name and cashed it. First National Bank of PA cleared the check and the funds were taken out of our account. When I discovered that our payment had not reached the vendor, and I could see the name had been changed on a copy of the check online ( XXXX week after the fraud ), I went into the bank and spent XXXX hours filling out a fraud report on XX/XX/2022. In addition, I filed a police report, and the US Postal Service sent a representative who told me they had been surveilling the home of suspected mail thieves and were able to retrieve a copy of the fraudulent check and deposit slip to prove my funds had been stolen. They were able to obtain a search warrant and two people were arrested. I sent this information to the bank via email so they would have the contact information of the XXXX fraud department. The bank assured me that they were reviewing the case. Today is XX/XX/2022 and the bank has still not refunded the stolen funds. Although the branch manager has been extremely helpful and supportive, we still don't have our money back and it is impossible to pay bills with an " I'm sorry ''. I don't know what else to do but to leave feedback on how the bank has responded to our situation. This is First National Bank of PA and is located in XXXX, NC. I hope this feedback helps someone else to understand how First National Bank of PA handles fraud cases and the length of time it will take to get your money back ( if we ever do get it back ) when it is so obvious that the situation is fraudulent. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I submitted disputes of identity theft along with documentation to support my claim on XX/XX/2023 for the following accounts to be removed XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts is a violation to my rights. 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
I was incarcerated at the times these accounts were opened. ( XXXX ) With that information alone the accounts should be deleted.
Product: Debt collection

I have asked this company Pinnacle to verify a debt they claim I owe. I never did business with Pinnacle and I asked them to validate this debt and remove it from my credit report. I gave them 30 days on XX/XX/2017 and they still never validated and have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXXDEPT OF ED 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - I got a alert from one of my Credit monitoring services about my Credit file/score changing .Upon doing my research and looking at my credit files - I noticed my score dropped tremendously from a account I had not recollection of ( IC systems ) .. I called IC systems several times on XX/XX/XXXX and got no answer. Got a alert XX/XX/XXXX from the same credit monitoring service that my score has been compromised again - guess by who?? IC Systems reported this account 4 or 5 times in one month and thats not legal.. A different date and No validation of debt or nothing is not right .. I need answers!!! And I need them now!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and Experian believes it is my account info when it is not. XXXX XXXX over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXX  
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already XXXX  days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in  XXXX  I notified the agencies to place a fraud notice on my file. This happened again in  XXXX .