23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Back in XXXX of this year, my XXXX credit card accounts were restricted due to a fraudulent attempt on my cards, I called capital one the following morning when I seen what was going on and I told them that the attempts were not done by me, and asked them for more help on what to do with the security of my account. They did not help with that so I simply changed the password to my account. The capital one representative told me that they will call me with an update on the situation within XXXX business days because it needed to be investigated. The next time they called me, there was no update about my account, just a new representative calling to tell me that my account was restricted and that they would need information from a bank account that I do not have access to, ( which that bank account is a part of the fraudulent activity that I called and reported ). I explained to them that I dont own that bank account so I can not provide them the information they are asking me for. So for the past XXXX  months now, capital one will call me, saying the same thing over and over as if they arent keeping notes of the calls, because every time I answer the phone for them its just another representative telling me my account is restricted as if I didnt know that and that they need statements from a bank account I continuously tell them every time when were on the phone, that the account doesnt belong to me and that I reported the fraudulent activity. Ive written this same report to the XXXX and have received a letter from them and capital one claiming that they dont have any record of me telling them this and I am really starting to get frustrated with them. Phone calls are recorded as they say every time before the call starts, so there should definitely be recorded calls of me saying this to them over and over. One representative told me to pay my cards off and close the accounts, so I did that for one account but, I refuse to have my accounts taken away from me due to fraud that Ive reported and Im not getting help from. It is unfair that my cards are still restricted from someones attempt at fraud. As a victim I am being treated unfairly and given that Ive reported this situation over XXXX months ago, i still have not seen any assistance in this issue. Ive attached a picture of the letter I received as well as XXXX screenshots of calls with capital one, most from the same number which belongs to capital ones fraud department, these calls include the dates and times Ive spoke with capital one representatives, the first photo from XX/XX/XXXX is the first call I made to report the issue. Capital one claims that they cant find a call where a representative told me to pay off my accounts and close them to start over, but I know it was one of the calls made sometime before XX/XX/XXXX, because on XX/XX/XXXX I called to ask if I would be able to use or open a new account with capital one if I were to take his advice and pay them off and close them, which the representative told me yes, but it would depend on a new application for a card. I need this situation fixed and handled now.
Product: Credit card

I made a payment of {$1100.00} by mistake. The correct amount was supposed to be {$110.00}. I immediately used the card 's application feature to cancel the incorrect payment and made the correct payment of {$110.00}. This was done in less than a minute. Now my account is on hold for several days because the cancelled payment is being characterized by the company and its system as a returned bank payment, which is incorrect. I cancelled the original payment because it was for the wrong amount, I entered an additional number 1 by mistake. 

This company is treating me as a criminal for an honest mistake that can happen to anyone. This practice is abusive and inconceivable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am of sound mind and body and is submitting this complaint on my own with no third party involved. 


Article 1, section 1 of The US Constitution granted Congress and the legislative branch the authority to create laws that protects the rights of the people granted by the Constitution. When these laws are broken, this is an infringement on such rights. Transunion has infringe on my following rights guaranteed under and/or supported by the US Constitution : Fair Credit Reporting Act- Congress enacted this law ensure fair and accurate credit reporting. Congress states 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. I would have to agree because Transunion has undermines my confidence in the banking with your unfair and inaccurate reporting on my consumer report. In addition, Congress states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been gravely violated by Transunion. Furthermore, under 1681b ( a ) -2 of this law, a consumer reporting can furnish a consumer report with the written instructions of the consumer. I have instructed Transunion on numerous occasions to make changes to my consumer report. I am now aware Transunion is not only breaking the law but your actions are unconstitutional. I am hereby instructing Transunion to make the following changes on my consumer report immediately : Delete the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Delete the following inquiries : XXXX. XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Delete the following addresses : XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX Experians full compliance of the law is expected in the matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account : XXXXXXXX XXXX XXXX XXXX XXXX Closed Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/202XXXX XXXX XXXX XXXX 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 card or prepaid card

While in the process of purchasing an airline ticket on XXXX XXXX, an offer from Citibank appeared stating that I could apply instantly for a AA Rewards card with a {$250.00} credit and 40,000 rewards miles. It stated, " Don't worry, you will be able to continue your ticket purchase using the new card. '' In reality, a week went by before I was phoned and given approval and told that I could not use the card until I received it by mail in two weeks. I contacted customer service and asked if they could a ) provide the number and expiration date so I could use the card b ) allow me to temporarily purchase the ticket with my other Citibank card and then switch the payment or c ) expedite my receiving the card by sending it overnight. I was advised that no one knows my card number or can convey it to me, and no expedited mailing is possible. The ticket I planned to purchase will increase in price if I wait two weeks to buy it. Citibank offered no resolution after I suggested the solutions I would have accepted as a resolution to this.
Product: Debt collection

On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : XXXX XXXX XXXX XXXX XXXX, with a balance of {$7800.00}, listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, XXXX XXXX XXXXXXXX XXXXXXXX XXXX, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
Product: Checking or savings account

On XX/XX/XXXX I recieved an email from my bank ( Chase ) saying that they were assisting me to access my whole stimulus check because my account was overdrawn {$410.00}. Which I never asked for, but I didn't know I had to pay them back within 30 days. So they " removed '' that money from my account on XX/XX/XXXX. I had a little under {$200.00} in my account on XX/XX/XXXX, and in the morning on XX/XX/XXXX my account was overdrawn by {$220.00}. I tried calling my bank, and the woman I spoke to said they couldn't help me, its a policy that they just do this. Even though I didn't ask for the assistance, and the woman also told me " you shouldn't have used the funds then ''. And didn't offer any other kind of help, when I went into the branch an hour later they basically told me the same thing. They couldn't help, it was something that they did. And that I could've done payment plans, but i was unaware of having to pay them back.
Product: Debt collection

So there is a few issues going on here now under the Fair Debt Protection Act and Consumer Financial Protection Bureau a debt collector can not buy debts that are not in default when they were obtained .. Now with that being said on XX/XX/XXXX I purchased a mortgage thru XXXX  XXXX  Shortly after I signed the mortgage it was sold to debt collector.. So on XX/XX/XXXX I received a welcome letter from a DEBT COLLECTOR COMPANY called M & T Bank.. But my first mortgage payment wasn't due until XX/XX/XXXX ... This clearly a violation under FDCPA and CFPB... Also when I requested a check or bank transfer fromXXXX XXXX they sent me a copy of a photo shopped bank stated the they paid {$350000.00} on XX/XX/XXXX but M & T Bank says I owe $ XXXX there's clearly some fraudulent things going on here .. Also over the last several months I asked M & T Bank under OATH did they purchased my mortgage they said no it was transfer buXXXX XXXX XXXX stated on XX/XX/XXXX they sold the mortgage shortly after I signed it.. So this is why I reached out to CFPB for help because both companies continues to be untruthful on this mortgage..
Product: Credit reporting

I was recently mailed a letter of rejection from a VA approved mortgage lender and was told that I could then request a copy of my credit report as a result of my being rejected for a loan. 
I am unable to retrieve a free copy of my credit report.
Product: Debt collection

I made arrangement with Chase Bank to make monthly payments of {$180.00} on a close account from XX/XX/XXXX to XX/XX/XXXX. During that period of time, Chase Bank reported that my payments were 90 days past due until the balance was paid off. Chase Bank has refused to remove the 90 days past due notice on my credit bureau reports. I feel that Chase Bank is unfairly punishing me although I upheld my end of the contractual agreement.
Product: Debt collection

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian a plethora of times to address the damaging accounts reporting falsely to my credit file. Although, I've shown the inconsistency and inaccuracy of these accounts they've continuously came back " verified. '' The facts are not valid, have shown me no proof of contract, and since I have no knowledge of these accounts and have no proof they should be deleted from my report according to the FCRA. 

On XX/XX/XXXX, I sent documentation and a letter concerning the false information being reported. I requested further information or deletion of this mystery account from XXXX XXXX XXXX. I was sent a " verified '' email dated XX/XX/XXXX. I patiently waited for the detailed information I requested via mail and nothing was produced to support Experian 's claim of these " verified '' accounts. On XX/XX/XXXX I sent a follow up demanding a re-investigation and their findings. I was sent nothing in return and this account remained " verified '' on my credit file once again. At this point, this one account has been reporting illegally for months so it made me uneasy about what else could be reporting and damaging my creditworthiness. 

After pulling my reports again, there were accounts that were a mystery to me. I sent a letter asking for proof of validation or deletion of these accounts on XX/XX/XXXX. Each account returned " verified '' although I have no knowledge of any of them and was given no proof of their permissible purpose to report on my accounts. I've reached out to these companies and they sent information that's inconsistent with my personal information, not mine or I've received nothing at all. 

In XX/XX/XXXX, I began assessing my personal information after discovering that my confidential information was compromised in data breaches over the last four years and personal information loss from moving around, I worried about fraud activity. In effort to correct my personal information, I sent Experian my correct and only information. I also asked them to delete any other addresses, names, employers or numbers, as they were not mine. I sent verification of my identity with this request. After taking the proper steps as a consumer, Experian is still housing incorrect personal information which in term is making it difficult to feel at ease with false information reporting on my file. 

This false reporting and errors on my credit file are damaging to my livelihood, they're also affecting me while in the process of finding a safe home for my family during a difficult time. I've specified that to this company and they've made no effort to follow the procedures they've put in place to ensure that my rights as a consumer are met at the full extent of the law.
Product: Payday loan, title loan, personal loan, or advance loan

I have an account with Affirm but there is someone elses email and phone number on my account where I can not login to find my information. The name that belongs to the email and phone number is : XXXX XXXX or XXXX and the past four digits of his phone number ends with XXXX so when Im trying to register/login or check on my account I cant because it either sends a message to this persons email or phone number. Ive called many of times since XX/XX/year>. Ive spoken to so many different people and Ive been told that a supervisor or team manager will get back to me or theyre working on removing this information from my account with no results and I cant see my account information and Im starting to think that its someone in there department committing fraudulent activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note there is a fraud account on my credit, RECEIVABLE COLLECTION. I dont know what this account is, nor did I authorize anyone to open this account. Please delete it from my credit profile.
Product: Credit reporting

Experian is reporting a collection account on my credit file from XXXX in the amount of {$1200.00}. The account was disputed in 2014 directly with the collection agency and it was deleted ( in 2014 ) this account is now being re-reported on my credit file. As i said previously in the 1st dispute this account is not mine, and i have no knowledge of it. I was never given a DV and i would like this account deleted from my credit file again and for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Its been XXXX years that Ive been disputing this item that was placed on collections that doesnt belong to me it was identity theft and the collection company refuses to deleted off the system after I provided them with a police report proof that I lived some place else and an affidavit but they continue to ruin my life because I cant rent any place because of that fraudulent account and at this point I am homeless because of it.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions contacted this company in regards to alleged debts they are negatively reporting on my consumer credit report. I have advised I am not liable for these alleged debts and have been the victim of identity theft. This information has also been communicated with the corresponding companies providing the alleged information. I have asked that these accounts be verified by providing the forward flow agreements in addition to original contracts yielding my wet signature. Neither this consumer credit reporting agency nor corresponding companies have been able to properly validate these alleged debts as belonging to me nor have they been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against this consumer reporting agency further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.
Product: Bank account or service

Hello the nature of my situation is that branch banking and trust has placed a hold and or closed my checking and saving accounts and they will not release my funds to no one but the account holder which is I however I 've talked to the corporate office of the bank in XXXX north Carolina and filed a complaint although my complaint was forwarded to in investigator name XXXX XXXX whom informed me that bb & t can not con firm my identity because the bank do n't have a signature card on file and that I was never sent XXXX when the account was opened moreove I ask the investigator that will a power of attorney will do and a copy of my birth certificate and social security card he insisted that the bank will not accepted it I advised the investigator that I am incarcerated and that what you are asking to visit a local branch I can not due however he advised me that he will be back in the office on Tuesday XXXX XXXX, 2016 and that I should contact him to gat a status update I did and was advised that my account will remain blocked and eventually donated and closed then sent to the state of Alabama and I would have to collect it from them furthermore I asked that I can send my finger prints for verification he insisted that it want do the investigator confirmed I was incarcerated so therefore any documents I would try to send to verify my identity want do because they want me to come into the branch in person I even assigned my aunt to be my power of attorney although investigator will consider that and I 've talked to several attorneys whom also advised me to contact this bureau for immediate assistance I ask that this bureau to find a solution because that bank is going beyond the scoop of the banking laws it just not right thank you
Product: Payday loan, title loan, personal loan, or advance loan

Applied for {$250.00} payday loan but Albert requires your bank information and direct deposit with them before approval. They also automatically enroll you in other financial services and charge for them even if you don't take out the loan. In order to deactivate the account you have to have a XXXX balance with them which puts you in a cycle of repaying. Then they give invalid debit card errors so your account can not be deleted. They don't respond to emails or text which is the only way to reach them. I never received {$250.00} from them but they have withdrawn {$89.00} initially then they withdraw money monthly ranging from {$1.00} to {$14.00} each month.
Product: Bank account or service

Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all.