23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX  HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

Subject : Complaint regarding denied credit extension due to incorrect account status Dear Capital One Customer Service, I am writing to express my deep frustration and disappointment regarding the denial of my credit extension request based on inaccurate information in your system. As per my previous correspondence and the verification performed by Capital One on XX/XX/2023, it was established that the account in question was indeed fraudulent. To support my case, I have provided all necessary documents including a police report, an identity theft affidavit, and a copy of my identification, which clearly indicate that the fraudulent activity occurred without my knowledge or consent. Despite providing this compelling evidence, I am still encountering obstacles in getting credit with Capital One due to the incorrect account status associated with my name. I understand that errors can occur in such complex situations, but I am deeply concerned about the impact this is having on my credit profile and financial wellbeing. I trusted Capital One to rectify the situation promptly and ensure that my credit history is accurately represented. 
Therefore, I kindly request your immediate attention to correct this error in your system and update my account status accordingly. Additionally, please provide me with written confirmation that the incorrect information has been rectified, ensuring that it will no longer hinder my ability to obtain credit or result in any further negative consequences. 
Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX RESIDENT VERIFY XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Bridgecrest Finance company keeps opening and closing my charged off account since 2021 so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the account.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX, I was unable to access my Citibank checking account. I contacted Citibank and was informed that my account would be closed for suspected fraudulent activity, which I dispute. On XX/XX/XXXX, I received an email from Citibank confirming the closure. At that time, my account had a balance of {$1800.00}. 

Citibank representatives initially told me I would receive a check for the remaining balance within 60 days. However, when I followed up multiple times, I received conflicting information. On XX/XX/XXXX, I visited a Citibank financial center, where I was told that my account was actually closed on XX/XX/XXXX, XXXX XX/XX/XXXX as initially stated. Because of this, I was informed that I needed to wait until XX/XX/XXXX, to receive my funds. Despite waiting, I have yet to receive my money. 

When I contacted Citibanks fraud prevention service today ( XX/XX/XXXX ), they informed me that, after their investigation, I am not owed any money. I believe Citibank has not provided sufficient explanation or justification for withholding my {$1800.00}. I am requesting that Citibank clarify why the account was closed and either return the full balance or provide a clear, documented explanation for withholding my funds.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

This company previously DELETED their item from my credit report when I disputed it in XXXX. They recently began re-reporting it to XXXX in XX/XX/XXXX. This is likely the result of identity theft. They knew and are still attempting to collect debts not owed by me.
Product: Credit reporting or other personal consumer reports

I have been dealing with this since XXXX of this year, and very soon, I will not be able to secure housing because of this incident with XXXX. We came to an agreement in XXXX that my credit report would be corrected. It is corrected with XXXX, but still has a 120 day late payment listed with XXXX and TransUnion. I have disputed this MULTIPLE times with both bureaus and still XXXXXXXX XXXX is communicating to the credit unions that the 120 day late payment should stay on my report, even though I have been assured in writing it will be removed. Please help and finally resolve this.
Product: Money transfer, virtual currency, or money service

At the end of XX/XX/2022, I used XXXXXXXX XXXX ( XXXX ) to send my daughter 2 transactions : One for {$1000.00} and the other for {$1900.00}. I had used XXXX in the past and since. The amounts were deducted from my account but not deposited in my daughters account, I called my bank but they said since it was a debit card purchase, there was nothing they could do. I called XXXX and XXXX alot. The constantly took my claim information and said someone will get back to me in 3-5 days. I had one email from them stating that my old email from 15 years ago was attached to my XXXX account. I told them I do not remember the password and do not have access to it but they would not help, Cant get help for it with anyone, I called the Colorado Attorney Generals Office but have not heard anything from them. I can not even get anyone at XXXX XXXX to talk to me -- only the cust, service and they do nothing. Now I am out {$2900.00},
Product: Checking or savings account

The account was locked without warning. When I tried to reach a representative I was denied the opportunity to speak with a supervisor or legal department. Stated I can not access my funds and will not provide a reason why. When I did receive a response back it was that I could not create a new account which I had not tried to do and have had the account since XX/XX/2022 with multiple different types of deposits. They will not let me access my money or provide a reason as to why I can not access the funds. Stated would not have a resolution for up to 5 days but then responded with the creating a new account response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Bank account or service

Wells Fargo working with an insurance firm in Florida, allowed this firm to take monthly payments from my bank account of XXXX monthly. I never authorized these payments this started in XX/XX/XXXX and went until XX/XX/XXXX. I went to the manager of my branch who told me they had a working relationship with this firm in Florida, I told her  i never authorized these payment nor bought this insurance from them, and asked her to show me any authorization from me.Which she never could, so they decided after some time  had passed she said they would pay me for three months or so since It was my fault for not checking my statement more closely. I would like full restitution from Wells  Fargo. I have the bank statements showing them automatically making these unauthorized payments.
Product: Checking or savings account

Hello, I am having issues with Truist and nobody is trying to fix the issue Ive contacted the customer service department including the fraud department you guys literally took a {$1500.00} scholarship away from me due to system issues. The day I took out 10 grand from my savings account and transferred it to XXXX XXXX account it Limited my account to me no longer being able to make any transfers due to me reaching my limit. Furthermore there was 1500 deposited in my account from my university from a scholarship. 
I tried transferring that 1500 to my XXXX XXXX so I can then go ahead and close my accounts. However The app told me that I had to wait 24 hours because I reached my limit due to me recently taking out 10 grand out of my savings. So the next day I tried to do the transaction again still did not go through. But both transactions were pending on my account. 
Nothing never transferred over to my XXXX XXXX. So when I woke up the next day I seen that you guys overdrafted my account for {$1500.00} and literally took that {$1500.00} scholarship money. 
You guys owe me {$1500.00} and if I do not get my money in this overdraft taken off of my account I will be taking truist to court. 
I literally been contacting you guys back-and-forth and you keep putting me between the fraud department and customer service department and these people literally arent even able to help me and keep passing me back-and-forth between departments. 
Those two transactions states that it went through but I NEVER received my 1500 to my XXXX XXXX!! I literally gave my whole entire XXXX statements to the customer service department thinking that they will fix it but they said I have to contact the fraud department then the fraud department is saying that its nothing that you guys can do I want my {$1500.00} back and a negative balance so we removed off of my account
Product: Money transfer, virtual currency, or money service

I'm having an issue with Venmo, I recently had a small payment sent to me for just {$25.00}. Not a lot of money and I understand that, but when I logged into Venmo I noticed that there were some older cards shown as payment methods that don't exist any longer and the accounts have been closed. I removed those older cards and when I attempted to transfer the funds out of my account I was shown an error message. I reached out to Venmo to determine why there was an issue with the account. I was informed that the account was frozen and I needed to send my ID and a current statement or picture of the card I want to use for the account. I did this, today I was informed that I had to provide the same information for the older cards. I informed them that I don't have those cards or accounts any longer, I simply want them removed and the account usable again. Their response was that I have to send that information. I responded that I want the account closed and the funds returned. They have now said they won't close the account or return the funds until those documents and cards are sent in.
Product: Checking or savings account

Citibank claimed that a check, from another bank, ( XXXX XXXX ), that I deposited was fraudulent. It was a distribution from a XXXX account and printed with the deposit details. Citibank is lying and saying they did not cash the check, when I have proof from my 401K company that they verified the check was good and that Citibank cashed it. Citibank closed my accounts and will not return my funds although it's proven that they cashed it I have spent hours over the course of 2 weeks listening to their customer reps fumble through this nightmare, transferring me from rep to rep. The BANK MANAGER from the Citibank branch where I deposited the check joined me on a conference call to try to resolve this and could not do so with their own inept representatives. CITIBANK HAS THE WORST CUSTOMER SERVICE, COULD NOT CARE LESS ABOUT THEIR CUSTOMERS AND TRULY HAS NO IDEA WHAT THEY ARE DOING. Citibank has no right whatsoever to sit on my funds, close my accounts and offer no explanation when I caught them in their lie. Meanwhile I still do not have access to my funds or any indication when I can expect them. I want my funds, plus interest, plus penalties and significant punitive damages as a lesson that they can not do whatever they wish, whenever they want, and have no accountability. I'm sure if I had a couple XXXX in there they would swing a different tune, but everyday hardworking clients do not have a prayer with them and they could not possibly care less.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/year>. I disputed the charge with Experian, and XXXX is reporting as of XX/XX/year> that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.
Product: Money transfers

I own a small business and made a purchase with a manufacturer in XXXX. I made the payment through Western Union and the funds were deposited into the Bank of XXXX, the recipient 's companies bank account. Since the funds were released I have not heard from the company and or their representative. Communication was done via email. I sent several emails with no response. I was purchasing ditial pictures frames and memory cards with plastic case.
Product: Credit card

I opened a Chase Marriott XXXX  card in XXXX, and be advised that for using {$1000.00} dollar for the first three-month purchase, I will be receiving XXXX bonus points. 

On XX/XX/2023 I fulfilled the terms and requirements and EARN the XXXX, posted in my Chase account. But then without my consent, Chase Automatically transferred my point to a UNKNOWN Marriott account " claimed '' to be me ( XXXX XXXX XXXX. In which the whole process I am not aware of nor permitted. Of course, I do not have access to this UNKNOWN account. 

Then on XX/XX/2023. I have contacted Chase to make sure my account is correctly linked to the correct Marriott account. My true Marriott account is XXXX. This process has been " concluded '' so-called finished by CHASE. For XXXX, XXXX, and XXXX, each time I contacted, Chase Agent always had only one response saying " The account is linked correctly, and the points will reflect in my XXXX Marriott account. But each time I checked and contacted Marriott, Marriott did not have my point, they claimed Chase had not transferred any points over. 

Now today, XX/XX/2023. About four to five months later, my Chase account is ZERO, my Marriott account is XXXX. My Earned XXXX points have disappeared on both ends. Both Chase and Marriott refuse to communicate on behalf is customers for their cobrand cards. Chase insists " Transfer completed to Marriott, but refuses to track the points, nor provide and information to customer, keep saying it transfer, nothing can do. '' Refuse to track with Marriott indeed received and post the point to a customer membership account. Failed to deliver reward system within a XXXX card controlled by Chase. 

Contacted Chase again on XX/XX/2023, during the phone call of one of the supervisors at around XXXX in the afternoon. The lady refused to provide additional help, saying she could not do anything because the point was transferred to Marriott. Claiming " What else want me to do for me, there is no other solution. '' After that, She did not care about the customer and just hung up and disconnected. 

For a Chase and Marriott XXXX XXXX, served and operated by Chase. Chase offers XXXX points for using {$1000.00}. After the customer earns the points, when the points disappear and customer can not track and use the point. Chase, the issuer, refused and unprofessionally left the customer out of the solution, which this action is causing me, a customer, serious damage in using the points and future trust with the bank reward system. I sincerely believe Chase 's act is a scam act of causes customers to lose points and earn rewards.
Product: Credit card

BMO Harris Bank will not accept payment on my BMO credit card, and they are charging late payment fees which are unjustified. 

In XX/XX/2023 BMO took over my Bank of the West credit card, and I have been unable to pay off the balance of {$50.00} since then. In the 15 years that I have had the card, I have never been late to make a payment, and I have never had this problem before.

I made numerous attempts to use the BMO online payment computer application, but the application would not take my payment. ( See Attachment 01. ) I had several conversations with BMO representatives via their computer chat function, but they were unable to help with the computer glitch. I requested that they report the glitch, but I have had no response to that request.

I called and spoke with a representative on the telephone and arranged the full payment before the payment deadline, but BMO later reversed the payment, as I saw on their next statement. I made two successful payments and received confirmation numbers, but BMO reversed these payments. ( See Attachment 01. ) On XXXX XX/XX/2023, I sent BMO a letter requesting the payment be made from my BMO bank and account and that both accounts be closed. ( See Attachment 02. ) I have not received a response to this letter.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
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. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

a scam company is trying to assign a debit to me. they called and sent a collection letter.. when researched.. i found several scam listings and mail fraud listings that was similar to what i experienced ... i checked my credit report and no collections have been sent.. they info int he letter is inaccurate and false. for instance check # 's, accounts and other info that would validate any transaction. the company is calling themselves : " XXXX XXXX XXXX XXXX, XXXX '' and claiming the creditor is : XXXX XXXX XXXX, XXXX and claiming the original debit was obtained thru XXXX XXXX on XX/XX/2019, the same day they called me trying to obtain information from me over the phone. I have not done any business with XXXX in many years.. all of which was paid in full using a my back debit card.. never a check ... they said the check number was # XXXX the amount was for {$18.00} and i owed that and a returned check fee of {$25.00} for a total of {$43.00} .. 

after spending time researching.. i have found other individuals claiming the same thing and that they was committing mail fraud. i contacted my state attorneys office.. and she said i could file a claim here or possibly at my local police department.