23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against Capital One Financial for their negligent handling of my credit card account, which was unlawfully subjected to fraudulent activities. Upon discovering unauthorized transactions on XX/XX/2023, I promptly reported the issue to Capital One, resulting in the closure of my account due to the acknowledged fraud. Despite this closure, the financial institution has continued to assess exorbitant late fees and interest charges, compounding my financial distress. The lack of a thorough investigation into the fraudulent activities by Capital One is not only a breach of their duty to safeguard customer accounts but also a violation of consumer protection laws. The unprofessional conduct exhibited by Capital One 's customer service, including the use of inappropriate language and abrupt termination of calls, further underscores their disregard for customer well-being. I am disputing all late fees, interest charges, and additional transactions on the account that occurred after its closure due to fraud, and I urge CAPITAL ONE to investigate this matter thoroughly and take immediate legal action against Capital One to rectify the situation. Enclosed with this complaint are supporting documents, including copies of relevant statements and communication records with Capital One, which substantiate my claims and highlight the urgent need for intervention.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies payment history.. I have asked to have them updated to " paid on time, paid as agreed, never late.. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH DATE IN THE PAYMENT HISTORY FOR THESE ACCOUNTS LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT LISTED TO " PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY IMMEDIATELY ''. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO " PAID AS AGREED, PAID ON TIME, NEVER LATE '' OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.
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, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the fraudulent accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Credit reporting, credit repair services, or other personal consumer reports

I am a first time credit user, I just started trying to get into it but my job recently said I had a credit score of XXXX. I never EVER did anything with my credit. I signed up for credit-builder through chime but I never did anything with it. I called to change and update my info through transUnion and the lady said she updated my info then lied. I tried logging into kreditKarma and still couldnt. I also asked her to help me file a dispute and she seemed pretty anointed she left me on the phone for like 7 minutes without saying anything to me then hung up. That made me so uncomfortable. So I tried to call again today and they told me there systems were down then hung up on me again. I dont like TransUnion and I need help fast. Im a XXXX XXXX XXXX single mom who is trying to get her credit together with no knowledge behind it. My social also was lost a few years ago and I feel like my credit being tampered with has a lot to do with that.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD, and XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds
Product: Credit reporting or other personal consumer reports

Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's a bankruptcy showing on my background check. As of XXXX XXXX 2017 these should be removed from reports. This is effecting me getting jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

Citi Bank Credit Card - signed to get approved in order to obtain a Coscto Membership. 
Never activated the Citi Bank Credit Card - Costco charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through Online Citi Bank Chat since I am hearing impaired. The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to Citi Bank 's inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking  my score dropping? I was assured on XX/XX/XXXX that the issue from Citi Credit Cards would be reported to the credit companies [ XXXX, XXXX, and XXXX ]. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of May due to my new job. Can you please help me resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report WELLS FARGO {$380.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

This was not a loan it was a lease and never late equifax is reporting as loan incorrect
Product: Credit reporting

sent several letters asking for verification of a dismissed chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.
Product: Credit card or prepaid card

On XX/XX/XXXX, a {$4.00} purchase went through on PayPal Credit, which was automatically selected as my default, when I had believed & expected it to go through on my linked bank account. I had no idea it went through on PayPal Credit, and because I didn't expect to be using PayPal credit anytime soon there was no linked payment method on PayPal credits separate website. Because of this a payment was returned, two interest charges were added, and a late fee. I only discovered this because today I received a letter saying my Synchrony PayPal Credit account was closed due to delinquency of a whopping {$17.00} dollars. This was the only notice in paper I received & although I had received email notification, it was clear enough with terms like payment adjustment and automatic payment. I assumed if I had any charge on PayPal credit, and it's saying automatic payment processed, that I must have had a payment method on file & that it had just automatically made a payment. Now I have payed the balance off, but I received a blow to my credit for a {$4.00} purchase that was never supposed to be placed on credit in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

In accordance with the Fair Credit Reporting act the following accounts are in dispute : XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Checking or savings account

My personal account, business account and my husband account all been locked, the bank hold our money and said that is because legal order, I have keep checking my credit report and all the government service I did not have any record. what kind of legal order is, I also never received any collection letter or court judgment, I really want to know what happen.it have been 2 week the bank also did not provide me any detail or information just ask me wait.
Product: Checking or savings account

XXXX ) the problem with Citi Bank happened after I opened regular checking account on XXXX at XXXX, CA.branch.with banker her name XXXX XXXX account number XXXX. 
XXXX ) on XXXX received letter from fraud prevention said we closing your recently opened checking account and all accounts you have with us within 60 days because I violated the terms of the account XXXX )
Product: Checking or savings account

" Chime '' sent text informing : " Chime account is ready! Just download the app to access it. '' I didn't know what " chime '' company is and have no knowledge of the account so, thinking this could be phishing text ignored the link given in text and did XXXX searches for the " chime ''. Found out that this company works on credit rebuilding, finance company. Seeing its finance company got worried as why they would have created account for me w/o my knowledge so looked up the customer service number.

Called customer service number and automated services directly greeted me recognizing me from my phone number as existing customer and that increased my doubts even more. Tried many options given on their customer service number and there was no way to get to anyone to speak to.

Weird enough, in next second of hanging up phone, received asking to submit the survey of the customer service. Happen to check emails and saw couple emails from chime already in inbox to welcome and provide survey. This felt like someone stalking with my phone number and email. This need to stop. Can not open account w/o consent and have to provide customer support to resolve the complain. Currently there is no suitable service option on published phone number on the Chime website.
Product: Mortgage

I just want to bring a topic and make sure is legal, I have a loan ( hard money lender ) with superior loan servicing, I called them on friday to see if they had an option offered for people that currently got affected with this pandemic and they answered that my loan is considered a " commercial loan '' and there is noting they can do, and they are not offering any relief. 

I'm wondering if this is legal and if I'm reaching out to the right place Kindly let me know Regards XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I mailed a check ( # XXXX ) for Earthquake Insurance in the amount of {$1300.00} back in XXXX of XXXX. The Insurance Company ( XXXX XXXX ) informed me that my policy lapsed because they did not receive my check. However, when I called Citibank to confirm the check, it had been deposited and cashed by a unknown third party and the funds taken from my account. I informed the bank of the issue, received a photo copy of the check confirming it had been cashed, and I submitted an affidavit to the bank informing them that my check was illegally cashed by someone else. I even had the insurance company write a letter informing them that they did not receive the payment back in XXXX. Nothing was altered on the check, it was made out to the correct company, but there were two ( 2 ) illegible signatures on the back of the check when it was deposited. The insurance company informed me that whenever they would submit a check, there would be a company stamp included on the back of the check, and not the personal signatures. I have been following with Citibank since XXXX of XXXX  trying to address this issue. I have spoken with multiple people in the fraud department, however I can never speak with the case manager. Citibank keeps informing me that my case has been denied. I've tried appealing on several occasions and each time I am informed my case has been denied again. I've even gone so far to address this issue with one of the personal bankers at Citibank at XXXX XXXX of the XXXX location in XXXX XXXX. He tried to help as well, but without any luck. I'm happy to send the affidavit, letter from the insurance compnay, etc., should you require. However, as this has been going on since XXXX of XXXX, I am hoping you can assist. Thank you.
Product: Credit card

I contacted Capital one late XXXX to complain that a credit card I had that was discharged during bankruptcy I filed during XXXX was discharged at that time. I was contacted by phone and in writing that this was an error and the item ( Capital One Credit Card charge off ) was removed from my credit card. I received notification in XXXX of XXXX that Capital one has once again " re '' reported this to the credit reporting agencies. This has caused me to pay deposits, turned down for lower interest credit card offers and made it impossible for my borrow money to make home improvements to sell my home. See below for how these accounts have been reported to XXXX. XXXX and XXXX are reported in similar fashion based on my understanding of reports ( see below ). 


CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Product: Debt collection

I recently review a copy of my credit/consumer report. I had noticed fraudulent account on my report. 

Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

According to the Fair Credit reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Why am I liable for this debt with XXXX XXXX XXXX when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX XXXX and " Federal Trade Commission '' as well.
Product: Debt collection

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan online and they had insisted I call and give them all of my information over the phone. A few hours later I had someone call impersonating my bank saying there were fraudulent charges and to accept fraud alerts for the exact amount of money in my account. I call the bank while on the phone and was instructed to hang up immediately.
Product: Student loan

Please see prior filed complaint which was not satisfactory addressed.

1. How do I made the payment of XXXX  $ mentioned in the response?

2. The count is still incorrect. Loan sequence 1-2 should have a qualifying date of XX/XX/XXXX ( even with your logic re consolidated ).

3. The remainder of the loans should all have the same number of qualifying payments as they were all paid together and on automatic payment, with a qualifying date of XX/XX/XXXX ( at latest ).

4. Please review and submit payment overrides for months that bills were not appropriately sent and therefore payments were not counted.

5. Please recount my number of qualifying payments.
Product: Credit card

Called amex XX/XX/23 - Asked for late fee {$29.00} to be waived due to their application updates removing username/password/notifications Asked amex XX/XX/23- were XXXX waived- mailed billing statement versus email - manager said they would investigate Asked amex XX/XX/23- were XXXX waived - agent said was not investigated, no way to follow up, no way to guarante follow up Asked amex XX/XX/23- is this a sudden policy change - amex says yes we no longer waive first time fees Asked amex XX/XX/23 - {$29.00} fee on {$88.00} in purchase is 33 % fee - excessive junk fee that Biden is fighting against XXXX can a manager waive the fee Asked amex XX/XX/23- why no notification, why no paper statement in compliance with XXXX protections- agent says she will file a complaint