23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Capital Bank has caused my checking account to be closed. I have 5 direct deposits to this account. It has been 15 days since they made this decision. I have no money. I have Two credit cards one of those cards is secured and you must know all of my money goes to my savings account and it closed too.
Product: Checking or savings account

Hi, On Friday XX/XX/2021 Chime Bank put a whole on my account. I called and was told to email them documents. I emailed the documents that they asked for and still havent heard anything back. Ive been with Chime for 1 year now and nothing like this has ever happened. When my account was closed I had XXXX dollars in my savings account. I have no access to my money now. I called and was told I only have XXXX in my savings. That means my other XXXX is missing. Did chime take it?? I really need my account opened ASAP! I need my hard earned money back I have XX/XX/XXXX small children to care for. Something needs to be done immediately. Its not fair
Product: Checking or savings account

Wells Fargo banking company has acted in a number of predatory ways towards myself and other customers. I am a former employee who on day of employment was used as a number for bonuses. So three accounts were open, a checking, savings, and credit account. Even though I had a credit score of over 700 a 24 % interest rate was given to me on said card, since then I have closed that account. This is not my main complaint but am using this to establish a pattern of predatory behavior and self-serving practices. My current complaint is the amount of overdraft fees charged and the practices being done. I have overdraft protection turned OFF and am still having money taken out of my account and then charged {$35.00} every time anything comes in, instead of these payments being denied. They are not payments being made by me but payments set an " auto '' that are annual charges that at the time had money for but because simple transactions take so long to post resulted in a number of mishaps. I am negative {$60.00} in actual money from auto payments, in the last 3 days Wells Fargo has tried to charge me over {$140.00} extra in the negative even though my overdraft protection is turned OFF and all overdraft charges should be DENIED.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax 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 inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX amount of XXXX under the account XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX XXXX XXXXXXXX in the amount of XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tired to remove Hard Inquiry XX/XX/21, It should have dropped off XX/XX/21, and they told me it would be next month before it drops off, that is 25 months, Hard Inquiries should drop off 24 Months, which is XX/XX/21, I only have 2 Hard Inquiries and this one should drop off and not show on report,. and when i checked it shows 2, should only show 1,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/XXXX
Product: Bank account or service

My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.
Product: Credit card

I received a credit card from Chase Bank with a {$33000.00} credit limit which I did not apply for. I have never been a client of Chase as I am employed by a competitor bank. I called Chase and they told me a fraud XXXX would be contacting me and that they would delete the card. That was XXXX weeks ago and I have not heard anything back from them.
Product: Credit reporting

My compliant is that the credit bureaus are not properly verifying my disputes. I contacted both XXXX and Experian about the credit inquires that 's on my credit report. I advice them both that the inquiries not associated with my accounts was not properly verified by me and I want them removed NOW. I have spoken with many different representative at both companies. I asked to speak with someone in special handling in the US and they are still giving me the run around. Keeping me on hold for long periods of time. These inquiries are not mines, I did not allow those companies to run my credit at any time. I 'm asking that XXXX and Experian be placed under an investigation. Transunion are the only ones working to help me remove these errors place on the account. XXXX and Experian please remove inquiries not associated to my account. This error is taking a big hit on my account.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of the I.C. Systems, Inc. account on my credit report, showing as a collection with a balance of {$4400.00} on XX/XX/2024. I do not have an account with XXXX XXXX XXXX or a contract with I.C. Systems, Inc. Additionally, my personal information was part of the XXXX XXXX breach. I've been disputing this account over and over since I've noticed it, and haven't gotten any remedy. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), I request this account be investigated and removed, unless I.C. Systems, Inc. can verify any contract between ( I.C. Systems, Inc. And XXXX XXXX XXXX Remedy Is to Immediately Remove account off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Product: Debt collection

A couple years ago, I was in College and had to go to the emergency hospital due to feeling very XXXX. I was n't aware that my XXXX had kicked in but I could no longer wait. Later on I ran into some big XXXX issues and had no where to live. I had to drop out of college due to these issues. I was then stuck with this XXXX bill I could not afford. After a couple years and pushing myself to get my life back on track, I paid off the debt. I am now XXXX years old and very responsible. I 'm trying to purchase a little house that my little brothers & I can live in. But unfortunately since this is on my credit report I believe it is effecting me. Please help me get this off even though this debt is paid off. I have not let anything else be remotely close to going on collections.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$12000.00} with XXXX XXXX XXXX. They did not provide me with the verification of debt as I requested ID verification and the original contract. Per 15 USC 1692c If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. I have sent Certified letters of verification of debt and Right of rescission on XXXX XXXX to the dealership, XXXX XXXX, to Experian and XXXX XXXX XXXX expressing their errors and how to correct them and move forward.
Product: Credit reporting or other personal consumer reports

Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX. I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.
Product: Checking or savings account

I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
<P/>
When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
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This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Cash Whatever Act # XXXX XXXX Acct # XXXX {$1300.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX Act # XXXX {$610.00} XXXX XXXX cred collect Act # XXXX {$360.00} XXXX XXXX Act # XXXX {$1100.00} XXXX XXXX Act # XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my personal information on file with your bureau. After reviewing my credit report, I have noticed inaccuracies in my name and address that need to be updated to reflect the correct information. 
Please update my personal details to the following : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed copies of the necessary documentation to verify my identity and address. These documents include : 1. A copy of a recent utility bill or bank statement showing my correct address. 
I kindly request that you investigate and update my records promptly. Please send me confirmation once these corrections have been made. If you need additional information or have questions, you may contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks
Product: Debt collection

Conn 's repeatedly calls between the hours of XXXX - XXXX cst. I have counted today XXXX XXXX, 2015 8 received calls from their bill collection department both human operator and automated. Within the past 4 days I count exactly 27 calls from them. I 'd like to see restrictions imposed and fines if deemed necessary, I do n't think they realize that calling as often as they do will not materialize money to pay them with.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX, I have disputed an account with Experian for an incorrect balance that was reported on my credit report, all they do is come back with updated and verified, its even on my credit report showing the balance was different with the original creditor ( ally ) in XX/XX/XXXX, the balance was {$840.00}, I disputed this account as not mine and then it was bought by a collection agency and its being reported by said collection agency with a different balance {$840.00}, thats inaccurate and this needs to be deleted from my credit report for inaccuracy. I deserve the right for a fair and accurate credit report. I had not checked my credit report in a few years and then I went to go and get a loan and was denied because of negative accounts on my credit report and now I am trying to clear up accounts that are not mine and the inaccurate and incorrect information thats on my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : 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 an account without my written instructions.
Product: Debt collection

Certified Collectors, Inc has harassed both myself and my daughter when trying to get information concerning a debt. The women who work in the office are verbally abusive and extremely unprofessional. The do not give clear answers to any question and refuse to provide the name of the creditor when asked several times. I strongly believe they violate the Fair Debt Collection Practices Act ( FDCPA ) on a regular basis. They use abusive and harassing tactics as well as misrepresent themselves on every call. To date I have been unable to pay the debt because dealing with the women at Certified Collectors , Inc. is absolutely impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX 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: Debt collection

Cavlry SPV I. LlC ; address ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX is attempting to collect a debt that I am not responsible/or owe for purchases with a XXXX Credit card as part of a charge-off via XXXX XXXX XXXX and new company owner name XXXX XXXX. I have never owned a XXXX credit card or used a XXXX credit card to acquire product goods and services two years past in 2013. Therefore I believe this is an identity Theft case in which I am the victim.
Product: Debt collection

I was contacted by Southwest credit system I regards to debt that was already paid with XXXX XXXX XXXX  I sent them receipt and email showing that it was paid they continued to harass me about the debt and say they cant understand the receipt.. I advised them they can contact XXXX  or XXXX to clarify it was paid they refused. I would like them to stop calling me and submit this back to XXXX   or XXXX this should not go on my credit because it was already paid. Also now that I try to contact them they send me to voicemail. I had to call from a different number to reach someone.
Product: Credit reporting or other personal consumer reports

Hello, I am attempting to reach out to one of my depertment of education loans in regard to removing the negative prior year history being reported on my account. The account was in collection over 2 years ago and in the past two years the account status has changed to closed. The negative history has greatly impacted my last two years of positive credit performance and is effecting my ability to get financing and purchase a home. I have attempted to reach out directly to the department of education via their posted telephone number and have never been able to reach anyone directly. When the account when into collection I was in a bad spot of employment and was not able to keep up with my student loans.
Product: Prepaid card

I received an American Express XXXX XXXX XXXX XXXX through my job on XX/XX/XXXX. After having transactions declined on XXXX, XXXX, XXXX, and more, I called on XX/XX/XXXX to ask about how to use the card since on their website it says it can be used online. They said the card was declined due to security measures, but are unable to provide any information on how those security measures work or how to bypass them to actually use the card. I asked to be connected to a supervisor and was left on hold. I used it on XXXX online successfully and in person at XXXX. 

On their website it says, " They can be used virtually anywhere American Express Cards are accepted in the U.S. '' and does not include any information on their security measures, where the card may be used, or any relevant information.
Product: Checking or savings account

I deposited XXXXXXXX XXXX into Blockchain.com 's interest account last year XXXX. After using their services for till XX/XX/2022, I decided to withdraw the funds and interest earned which were deposited there. To my suprise, they have blocked my withdrawal and not offering a quick solution eventhough the documents requested were submitted to them.