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

I have Power of Attorney for my brother, XXXX XXXX XXXX and I need to access money in the closed accounts to pay for his care. I previously filed a complaint with XXXX. XXXX. CapitalOne, the bank, resonded by saying they require affidavits with accurate information. However they provided the incaccurate information to me. 

the bank- -sent the checks to the wrong address which required subsequent requests for checks to be reissued, including multiple charges to notarize affidavits -the bank provided inaccurate information to me XXXX requested an email from the bank with the accurate information required and the bank refuses to send that -I have left multiple messages with the bank that were not returned Yesterday I spoke with XXXX in the President 's office of CapitalOne who again refused to email the required information.
Product: Mortgage

My wife and I were under contract to purchase land and have a home built on the land since XXXX of XXXX. Our bank, Citizens Bank instructed us that they required architect plans and contractor contract to start the application process. Fees and plans were drafted and submitted to the bank by XXXX of XXXX. Since the paperwork was submitted as requested, it was 1 hurdle after another. 

The banker we worked with was incompetent and requested documents multiple times, which he claimed never to have received. Sometimes he would request documents, which were sent on time and 3 weeks later after following up on the status of our application he would state he could not open the documents, which were sent 3 weeks ago. He would not communicate on the progress of our transaction and this cost us time and money. 

Eventually, I reached out to management in XXXX of XXXX and the chairmans office called to say they were investigating and we never heard back from them. In XXXX again a month after attempting to escalate my issue, I called the bank representative we worked with and said he would have to speak to his manager because we escalated the issue and he was unaware of the progress made on the file. However, the next day he emailed me stating we needed to send documents, which we had already sent previously. 

He was out of touch with the process of our file, the underwriter who worked on our file would never answer the phone except once and eventually we asked the bank to decline our mortgage application so we could cut our losses and move on. 

We lost time we put into meeting with our architect, engineers and contractors to design our home as well as with the town for the multiple inquiries we had to do. Additionally, we lost money we spent on this whole process plus other missed investment opportunities. 

We could have purchased another home or piece of land and this has caused us stress and has set our plans back, which inconveniences our family and mostly, our children. 

After we requested more information and intervention from management they never reached out to us nor was an apology ever provided for the inconvenience they caused us. 

Additionally, the financial obligations we had discussed initially with our bank representative were not as later discussed with the underwriter. Closing costs and other monies we did not anticipate were supposed to be due and payable at closing, which was never mentioned to us previously. 

The bank got away with ripping us off and whats even more heartbreaking is management did not even care to reach out and resolve our grievances let alone apologize for the inconveniences they caused us. 

Your intervention in this matter will be greatly appreciated.
Product: Checking or savings account

I opened a checking account on KeyBank due to a promotion that, if met, a XXXX-dollar bonus would be deposited into my account. I opened in person through a branch. Months later, after fulfilling the required direct deposit, my bonus still hasn't gone through. I called customer service to ask what had happened. They told me that there was NO promotion applied to my checking account. The banker who opened my account even confirmed that the promotion code was applied to my account when I opened it. I called the branch, and the banker who opened my account is not working there anymore. All of the e-mail correspondence between me and the banker who opened my account is still with me, including the part where he asked me to give him the promo code so he could apply it to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX, and XXXX  report. The credit report showed credit inquiries by a few companies that I do not recall authorizing. I understand that companies shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please remove all inquire from each credit bureau that is being reported on my credit file.
Product: Credit card or prepaid card

I opened up a  Chase Sapphire Preferred credit c ard about just over a year ago. The card has an annual fee of {$95.00}, but it is waived for the first year. My plan was to use the card and see if I like it, if I did n't, then I would cancel or convert it to a card that did not have a fee.     After a few months of using, I determined that the benefits did not warrant the {$95.00} fee. As such, I contacted chase ( either by phone, secured message or chat ) and asked to convert my card to a non-annual fee and I stopped using the card altogether. In  XXXX     2017, my  card was charged the fee. Since I did not use the card and expected a {$0.00} balance, I did not realize until  XXXX     2017 tha t I had been assessed the fee, a late charge, and interest on the balance.     When I finally realized what had happened, I contacted Chase and they conveniently have no record of my request. My daughter had a similar incident with Chase when she applied for a credit card where they agreed to approve the card and subsequently never received the credit card. Eventually, she was informed that they misplaced the paperwork.     I believe this is similar case. Why would I pay for an annual fee when I do n't even use the card.     In any case, I contacted chase and they refused the refund the fee and interest. I have now since paid my account current and have a balance of roughly {$50.00}.
Product: Debt collection

I never had business with those company, XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY and XXXX XXXX XXXX i WANT YOU TO INVESTIGATE THOSE COMPAGNY AND ASK THEM AMOUNT MONEY THEY ARE TAKEN FROM ME WITHOUT SENT ME THE PROOF THAT ASKED IN THE LETTER. i DID NOT OWN THE AMOUNT OF MONEY THEY REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXXXXXX XXXX Account Number : XXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

DEPARTMENT OF ED/XXXX Account Numbers : XXXX XXXX ( two entries ) XXXX ( duplicate entry ) Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 
Legal Basis for Complaint : 15 USC 1681 Section 602A : Protects my right to privacy.

15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes.

15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information.

15 USC 1681s-2 : Prohibits furnishing 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. 

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Product: Money transfer, virtual currency, or money service

I one to like this development for all online money transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2022 XXXX : {$210.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2021
Product: Checking or savings account

I applied for a job in indeed. I received an answer directly from a company on Indeed stating that I got employed as their personal assistant and my jobs gon na be to run errands. The person sent me 2 checks of {$4900.00}. Before i deposited the check into my td bank account, i asked one of the employee to verify if the check is legit. He told me yess. In the following day, the money was available into my account. i did withdraw the 2 checks. After 2 weeks in a half, i saw that my account is overdraw of {$9500.00}. I went to a precinct to file a complaint. I have a detectif over the case. He collects all the evidence. He gave me the complaint form to give to the bank. I gave them the complaint form. An employee from the bank told me that either way i m the one who gon na pay back the bank. i told them that i do not have {$9500.00} to pay them back. Last week i receive a mail from the bank stating that my account is closed that i need to pay them the full amount in one payment.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA & # 39 ; s permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my dispute to Equifax to Validate public records listed under my name, Equifax has somehow obtained my personal pay stubs listing my income along with other private information showing how much I pay for my 401k and how much money is deducted from my Social Security. This is a privacy breach because I never gave anyone AUTHORIZATION to obtain or furnish my paystubs containing my income.     Equifax has already deleted this from my credit file after my reinvestigation and has now reinserted this information back to my file without prior notification to me.     In failed efforts to provide VALIDATION on the public records Equifax contains in my file Equifax has now violated me by obtaining identifiable information by mailing me copies of my paystubs.     Using my personal paystubs as a document to support or validate the public records is a privacy breach and consumer violation as my paystubs does not support the case of VALIDATION to information contained in ones file on filing for. Equifax contains in my file is not public record. My personal income is not public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advantage Credit , Inc. XX/XX/ and XXXX XXXX XXXX XXXX XXXX. I never gave written consent for a credit inquiry. Remove hard inquiry from the XXXX credit bureaus XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear support, I have issues with items in my credit repair, I do not recognize them and I filed Identity theft report. I assume someone used my personal details and filed all these accounts. Its not fair, they killed my score completely. Please remove them ASAP
Product: Payday loan, title loan, or personal loan

On  XXXX / XXXX /   17  I was approved and given a loan in the amount of {$700.00} with the understanding that the pay off amount would " not be much more than {$700.00} '' The answers I received were very vague and misleading. Come to find out the actual pay off for the {$700.00} was well over {$2000.00}. Once I realized I attempted to return the {$700.00} they 'd already transferred to my account but they denied my request saying I would need to pay the finance fees and give them {$910.00}. This was the next day  XXXX / XXXX / 17 . I feel as if though this is not just as I did not realize what I was agreeing to and attempted to correct the mistake the next day but they would not allow it. I attempted to find a copy of the loan agreement to add to this complaint but I have zero access to any agreement via their website
Product: Credit card or prepaid card

I learned that Chase is having mandatory arbitration rules in their agreements. Anyone who wants to opt out of this will have to mail in a letter stating all personal information including account numbers. Why mail in a letter? People are more subject to fraud when they mail in letters. Why do you have to have mandatory arbitration? Why do you have to take rights from the customers. When you have mandatory arbitration the customers have little protection against fraud. With this complaint I am informing Chase I am opting out of the mandatory arbitration.
Product: Debt collection

Subject : Request to Remove Paid Account from Credit Report I am writing to dispute an entry on my credit report related to an account that has been fully paid and, to the best of my understanding, should no longer be reported. Please see the details below for the specific account information : Capital One Bank USA Account number : XXXX Date paid in full : XX/XX/year> I believe this account is inaccurately impacting my credit score and, as it has been resolved, it should be removed. I kindly request that this item be investigated and removed from my credit report as soon as possible. 

Thank you for your attention to this matter. I look forward to your timely response and the removal of this item from my report. Should you need any further information, please feel free to contact me at the details provided above.
Product: Vehicle loan or lease

CFPB, I am a lessor through Tesla Finance , LLC, and this complaint relates to a lease contract for a Model Y VIN XXXX. XXXX, the insurer on the vehicle, declared the vehicle a total loss and reached out to Tesla Financial, LLC through its contractor for total loss processes, XXXX. 

XXXX originally reached out to Tesla Finance , LLC on XX/XX/year>, and as of today Tesla Financial, LLC has not agreed to the total loss settlement from XXXX, even after multiple emails from XXXX. 

Tesla Financial, LLC does not have a customer service line and they do not timely respond to emails. 

As the lease contract for the Model Y VIN XXXX contains a gap protection provision, Tesla Finance , LLC appears to be lengthening the total loss settlement process to continue to collect lease payments from me and attempt to secure a higher total settlement amount from XXXX. 

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

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

In process of moving, I maxed out my Capital One credit card with a limit of {$1000.00}. So I yesterday, over the phone, I authorized them to withdraw {$550.00} from my checking account, which SHOULD have left {$440.00} balance available on that card. The {$550.00} came out of my checking account today, but was not credited to my Capital One card account. ( That Capital One credit card number is XXXX ) So I called Capital One and was told my credit card would stay maxed out, until the payment is processed, on the XXXX!!!! I told them that is XXXX, deducting it from my checking account on the XXXX, but not posting it to my credit card account until the XXXX!!!! Can they legally do this XXXX??? I KNOW they are earning interest on MY money for those days!!!! The Federal government doesn't view this as fraud or theft??!!?? Multiply it times XXXX, XXXX customers that they are pulling this scam on, it makes XXXX  XXXX  look like petty crooks!!!!!
Product: Debt collection

Ok. So this original creditor was XXXX, I looked at the program and due to my health limitations, I seen it wasn't going to work for me. I have XXXX, and I have XXXX limitations. I emailed them, they wouldn't come up with a compromise, so now it is in collections with the company January. I have sent several messages to them about disputing and they say its a valid bill. I have deleted everything once XXXX would not work with me. I haven't received nothing in the mail. Until I started going through some of my email.. I have a lot. I can't get to. A-lot of junk email. And On top Of that, On XX/XX/XXXX I will be out of work for XXXX month due to XXXX. I have a lot of things I am trying to get done. I am living paycheck to paycheck. Like I said, I don't believe I should pay XXXX for a program never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my XXXX  and TransUnion that do not belong to me. There are also other content on my XXXX  with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.
Product: Credit card or prepaid card

XX/XX/XXXX Chase Bank has closed all my Chase credit cards : Chase Freedom # XXXX XXXX XXXX XXXX ( opened since XX/XX/XXXX ) and newly opened Slate Card # XXXX XXXX XXXX XXXX because during periodic account review they have identified that I am a " high-risk '' customer I have never being late once on my Chase credit card. I have been their customer for over 7 years ( had checking accounts, financed my vehicle which I paid offed earlier ). 

My income is stable and my credit score FICO 8 was XXXX at the time of the closure. 

It is still over 700 at this time.