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

To whomever it may concern, As of today XX/XX/2020 my money has been held without explanation since XX/XX/2020. XXXX XXXX dollars has been sitting in my capital one account this whole time saying funds not available for withdrawal. It was the beginning of my business and we were working on getting our business account. The fact that their were third party payments, the bank took it upon themselves to open an investigation which still to this day has not come up with a conclusion, when i ask them about it they say they cant say nothing to jeopardize the integrity of the investigation. None of the clients who sent the money filed a dispute or complaint in regards to unauthorized payment, in fact no-one has said anything about anything due to the fact that my client are outside of this country and used a digital banking app known as XXXX. Since trying to explain to them what XXXX is and they not knowing they just kept stonewalling me. I have called and filed numerous complaints with the bank and have spent at least 25 hours on hold waiting for someone to give me a conclusion. At this point my company has suffered irreplaceable losses due to the loss of our seed money, which basically came from our first project. In the middle of covid the bank decided to hold over XXXX. At this point I am filing a law suit in small claims court against the bank. 
Capital One customer service used profanity and even used racist comments to describe my situation when i pleaded with them to help with my situation, multiple events where I was told to be put on hold and litterally just hung up on, no class or deception just straight up treated me like dirt. When I went to the branch they said there is no way to speak to the investigators who made this decision, The crazy part is that every month the account is still gaining interest meaning they are actively using that money in their portfolio which is what banks do and recognize it as viable funds able to fund their bank and make their trades, but for me the money is frozen weird ...
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The account is XXXX bureau of the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed XXXX disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a XXXX party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through XXXX XXXX. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or XXXX XXXX. There for both are in violation of my rights.
Product: Credit card or prepaid card

On XX/XX/2018 I was on the XXXX airline website to purchase airline tickets. I was offered to double the points, plus other benefits if I would open a XXXX XXXX Mastercard issued by BofA. Two days later on or about XX/XX/XXXX I called BofA and inquire about this offer and when I would see the airline mileage points. I was told by the BofA agent that I wouldn't receive any points for this purchase because the card hasn't been issued. I then asked the agent to cancel my application. Please note at this time of the call BofA had NOT issued me a CC number or mastercard. 

I received a bill from BofA in XX/XX/XXXX and I once again called to correct error and the agent said the card was canceled and I had No fees. 

I received another bill from BofA and I was told because BofA had issued the card I would be forced to pay the XXXX card activation fee. Please note the card was never activated and I attempted to cancel this card two days after the application. 

The advertisement concerning the double points and assign seating was deceptive and BofA had several opportunities to cancel the application. But then why should BofA cancel the application and lose {$89.00}
Product: Credit card or prepaid card

I need a payment waiver. I am still affected by XXXX XXXX. I need help. I am not calling back XX/XX/XXXX my payment is due XX/XX/XXXX. The hold times are over 3 hours long. All my other citibank card payment request were processed online
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/1994 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Despite confirmation from associated banks and the submission of documentation, Equifax has failed to promptly remove fraudulent accounts from my credit report, violating legal obligations.
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. 

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 has violated my rights. 

1

5 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 con
victions 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

My name is XXXX XXXX. I have been a victim of an XXXX data breach. I was unable to successfully open up any banking accounts since XXXX fingerprint was hacked from a previous job
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX Car Loan shows a late payment on my experian credit report. 
It was over 7 years ago and they continue to show the one late payment and it should have dropped off by now. It is the only late payment showing, and. It was never late it as short by a few dollars and they continued to show it. 
I want it taken off. Leave the remaining history.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I insist on being fully informed of the meticulous measures your agency undertook to ensure the absolute accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. Per the mandate under paragraph 15 USC ( 6 ) ( B ) ( iii ), it is imperative that a consumer reporting agency furnishes the consumer with a detailed account of the assessment process employed to ascertain the correctness and entirety of the information. This account should include the name and address of any information provider consulted regarding said information, along with their contact number, if reasonably ascertainable. This account must be provided to the consumer within 15 days from the receipt of the consumer 's request for such elucidation. I have previously notified your establishment of my status as a victim of Data Breach/ Identity Theft, and have also lodged a report with the Federal Trade Commission , a copy of which is enclosed herewith. I have STRONGLY DEMANDED that all information about me be promptly blocked and expunged from my credit report, with an updated version thereof to be immediately furnished to me. However, much to my dismay, said items continue to feature on my credit report. I implore you to address this grave oversight as soon as possible. Furthermore, it is imperative to note that as per 15 USC 1681c-2 c ( a ), the credit reporting agency is mandated to block and erase any information alleged to be associated with identity theft within 4 business days of receiving a formal complaint, including the details provided herewith. Additionally, I request the transmission of the particulars used to corroborate the validity of the invalidated items mentioned below. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I supposedly have a debt with fifth third bank. I recieved a call from a XXXX XXXX with a XXXX saying im being sued for XXXX dollars i never recieved a notice in the mail. I dont even know what its all about. He demanded i get a prepaid card and all kinds of stuff threatening me
Product: Debt collection

She called me at XXXX mountain time instead of XXXX. She called three times in a row waking me and its not even my debt she is harassing me about. She is misrepresenting herself as a state investigator and is threatening people with jail time and felony charges over a consumer debt. Given her caller ID comes up as I Secured out of XXXX XXXX, XXXX  she should be able to look up the time difference between XXXX  and XXXX  XXXX. Her tactics are not in compliance with the FDCPA and she doesnt care. XXXX Deposited a new message : " Hi, good morning. This is Investigator XXXX XXXX. I am a state licensed investigator looking for XXXX XXXX XXXX XXXX XXXX. Or someone at this number. Please call me. Let me know if that's the correct number. This is Tuesday, XX/XX/XXXX at XXXX XXXX. XXXX My number, toll Free Direct is XXXX XXXX XXXX. You're possibly involved in a case assigned to my office. I'd like to speak with you this morning. Please call investigator XXXX XXXX. I can speak with you at this time confidentially again, this is investigator more calling for XXXX XXXX. My number toll free Direct is XXXX. Appreciate a call back this morning, please. Thank you. '' Click here : to listen to full voice message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to investigate the fact that there is fraudulent information on my credit report. I have disputed these items, to no avail. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a Nissan Motor Acceptance Corporation representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase.

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the Nissan representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from Nissan both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, Nissan either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with Nissan Motor Acceptance Corporation to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if Nissan refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.
Product: Consumer Loan

My father filed bankruptcy XX/XX/XXXX. Somehow, I was included from a Auto Loan. The vehicle was traded in by my Dad for a vehicle that was claimed on his bankruptcy. I was unaware that I was on the new auto loan through USAA. I have sent dispute request to remove this off of my credit. However, my father has completed his bankruptcy and received his certificate. Nevertheless, I feel that this is part of the reason USAA has closed my account XX/XX/XXXX and denied me an auto loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXX/XX/2024. Unauthorized charges. Ive asked the Bureaus to remove it from my credit report. They have not been removed. The Bureaus did not do what I asked. I have attached an identity theft report. I requested them to be removed because they are inaccurate and are not mine.
Product: Checking or savings account

The customer 's complaint against TD Bank spans several key dates : XXXX XXXX XXXX XXXX The customer opened a TD Beyond Checking and a TD Signature Savings account based on specific advertisements promising fee waivers and account bonuses. 

XXXX XXXX XXXX  : The savings account was funded within the 20-day window as confirmed by a conversation with a TD representative. 

XXXX XXXX XXXX The customer surpassed the {$2500.00} direct deposit requirement for the checking account bonus, which was due by XXXX XXXX XXXX 

XXXX : TD bank charges fees against their terms of promotion and customer needs to make multiple calls to prove that the bank is not operating on the terms of agreement. 

XXXX XXXX XXXX XXXX  TD Bank had advertised that bonuses would be applied within 180 days from account opening. However, by this date, the customer had not received the promised bonuses. 

Subsequent days : The customer spent numerous hours on the phone with TD Bank representatives, including XXXX, who confirmed their eligibility for the bonuses and initiated a review process. 

Ongoing : TD Bank continued to delay the application of the bonuses, asking the customer to wait an additional 2-3 weeks despite prior confirmation of eligibility. 

In summary, the customer 's complaint highlights discrepancies between TD Bank 's advertised promotions and their actual implementation, spanning from XXXX XXXX XXXX XXXXXXXX XXXX  The delays in bonus payment and discrepancies in fee waivers led to extensive efforts by the customer to seek resolution.