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

RE : Urgent Assistance Needed Regarding Capital One 360 Checking Account Hello, I trust this message finds you well. I am writing to seek urgent assistance regarding my Capital One 360 Checking account. 

In XX/XX/2023, I opened the account while I was not employed, and no funds were deposited during that month. However, I secured employment in XXXX, and on XX/XX/XXXX, my employer, XXXX XXXX XXXX XXXX XXXX, deposited {$3100.00} into my account. Additionally, on XX/XX/XXXX, I received XXXX smaller deposits of {$270.00} each. 

On XX/XX/XXXX and XXXX, I requested funds from my cousin for personal expenses, totaling {$2000.00} and {$1700.00} ( {$1000.00} + {$700.00} ), respectively. He transferred the money via XXXX, but my account was subsequently restricted from accessing these funds. Despite numerous attempts to reach out to customer care, I have not received any information about the account status, and my calls remain unanswered. 

The situation is particularly distressing as I have been waiting for these funds, and there is uncertainty regarding whether the bank will release them. I have informed my cousin, who confirmed that the funds originated from his payroll and provided proof in the form of pay slips. We are willing to provide any necessary documentation, but unfortunately, the bank has not responded to our calls or emails. 

I am reaching out for your assistance in resolving this matter promptly. Your help in facilitating communication with the bank or providing guidance on the necessary steps to recover my funds would be greatly appreciated. 

I am happy to provide any documentation needed to expedite this process and help me get my funds back. 


Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain about the rationale behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according to 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Lastly, according to 15 USC 1681s-2, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I reported the card stolen as soon as we were alerted on XX/XX/XXXX. Citibank did not do a thorough investigation and saying that given it was using a chip reader, we made the purchase and not crediting back XXXX XXXX They are saying no one can clone the card and other nonsense. They want us to provide the proof we did not make the purchase. 
I have spent countless hours. There are other charges we legimately bought stuff and make regular payments. This is the first time we are disputing as the card was stolen,. Please help
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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

My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX  XXXX XXXX XXXX which is a very serious violation of the Fair Credit Reporting Act. I have a proof showing that. I have sent a letter to Experian on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Experian has still not replied to me and keeps reporting this inaccurate account to my credit report. In addition of being re-aged the XXXX  XXXX XXXX account shows others inaccuracies such as incorrect high balance, incorrect credit limit and incorrect payment history. How can I be late and on time at the same time? how is this even possible? It is obvious that the XXXX  XXXX XXXX account is inaccurate. Experian had more than 60 days to investigate but it has not done anything. I have attached to this statement the usps returned receipt signed by experian on XXXX XXXX and a copy of my credit report showing the inaccuracies on the XXXX  XXXX XXXX account
Product: Debt collection

The office of XXXX XXXX has been contacting me over the past 3 months first claiming they were ready to go to court over a debt with the real yellow pages from XXXX after asking them to produce documentation of this debt they sent a unsigned contract with no history of payment or signatures to verify this debt XXXX XXXX was not the originators of this supposed contract and can not produce proper evidence of any contract being entered into I have explained my mental and physical issues with them and have requested they stop contacting me over this obvious scam for the amount of {$540.00}
Product: Credit card or prepaid card

My business was recently lost in a major flooding event in XXXX County,  CA on XX/XX/XXXX. It was declared a state of emergency by Governor XXXX, and is being assessed as a natural disaster by FEMA. Since it has not yet been assessed as so and might not considering the rural nature, Citibank Visa XXXX Card will not recognize what I am going through as such. That being said, I have been reaching out to them since XX/XX/XXXX to try and get a late charge reversed but since I had one reversed back in XX/XX/XXXX and their " company policy '' won't allow that, they will not help me. I've escalated the call and asked to speak with a supervisor who called me back 2 days later and I was again unsatisfied by their unfair treatment of my situation, as I explained I have no income and would like to work out a payment program, but feel it would only be fair to remove the late fee. Once again, I was escalated to their supervisor who was supposed to call me within 2 more days and never received a call. So, I tried calling from the bottom of the totem pole again today XX/XX/XXXX as I am doing my best to resolve this situation and another late fee has accrued since they've not been responsive. Much to my disappointment I waited on hold for nearly 20 minutes before they told me nobody was available and someone would call me back in 2 days. I am not sure what else to do. I've explained my situation ... I have NO income and wish to make some kind of arrangement with reasonable monthly payments, but they aren't willing to work with me and keep dragging it out so that I have even more late fees that they refuse to reverse. I am feeling very abused and I'm already in trauma after losing my small business just 3 weeks ago and doing my best to take care of all loans, creditors and vendor relations. I could really use some assistance with this company please. I've been able to make arrangements with other entities, but they're being very difficult and uncooperative iwht my efforts to find a fair resolution.
Product: Money transfer, virtual currency, or money service

XX/XX/year> ... ... .I won {$100.00} at XXXX XXXX XXXX XXXX  Having zero knowledge on crypto I sent my prize money to XXXX it's on blockchain. 
From my understanding it shows funds were received and are still there. 
I've been trying to transfer these funds into one my crypto wallets. 
I emailed both XXXX XXXX and blockchain, neither can help. 
I emailed XXXX XXXX XXXXXX/XX/year> I emailed blockchain XX/XX/year> Got a reply XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have filed disputes sent Reg Mail and have yet in 6 months time after time to get any information removed or a credit report. have filed several complaints about disputes wrong information. Equifax does not respond nor return any disputes filed. 
Equifax has a lot of wrong information on file that I have proof to back up what Equifax has on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received settlement check from Equifax. They misspelled my name and now they are saying they can not reissue a check that deadline has passed. The representative on the phone said they deadline was XX/XX/2018 but the agent who email me back said it was XX/XX/2018. But my check is dated XX/XX/2018. I'm confused as to how I was supposed to know my name would be spelled wrong and would be receiving my settlement check after the deadline.
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXX XXXX since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess XXXX XXXX didn't Express to them that I still have the deferral amount which was the second mortgage and HAF XXXX XXXX, would have paid that. XXXX XXXX XXXX said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to XXXX. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a XXXX  and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

MERCHANTS CREDIT GUIDE C Account number XXXX Date opened XX/XX/2016 Balance {$390.00} MERCHANTS CREDIT GUIDE XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/2016 balance {$430.00}
Product: Checking or savings account

On XXXX XXXX, 2020, I was looking at my Chase bank statement online, and noticed a transaction from XXXX in the amount of {$40.00}! I have never done business with XXXX, so I immediately called my bank. I told them the problem and they filed a claim. 

The next day, I got an update letter ( all online ), that stated they would Credit the {$40.00} to my account while they " investigated '' the matter. Then, on XX/XX/XXXX I got another letter dated the same date, that they had completed their research and they " found that the transaction was " processed correctly '' ( whatever that means ) OR " was authorized ''! It certainly was Not! 

The last line of this letter said that I could contact them " IF you would like to request the information we used for our research ''! 

Again, I called the bank right away and said, " Yes, send me the information you used in your research. I would love to see it! '' The Rep said that they would mail it to me and it would take 10 business days! I said, OK. This call was on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any letter. I am upset. I feel like they just threw me under the bus. I have been a customer of Chase for the past 17  Years! I don't believe they investigated anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identiry thef. The following information on my report that needs to be deleted. Please delete these as soon as you can. 

XXXX CARD ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

heya 10 years ago i was concerned about theft / fraud i contacted the credit report agency- was 2 apparently now 3? 
anyway i wanted a freeze on my credit I WAS TOLD I HAD TO PAY TO GET A FREEZE i did not pay and now everything is frozen i do not want to deal with them - apparently they lie and " steal money " just like a true criminal i did not pay for the freeze- i assumed there wou ; ld be no freeeze i do not know what to do i cant contyact them because they lie and try to dsteal my mponey -- right??
Product: Mortgage

I have paid early every month. They put one payment into suspension and then reversed it. Since then, they have been charging me a late fee. When trying to fix this by putting in reversals, I cant follow where the money is going. I have spoken to 3 customer service agents that cant follow where this is going as well. They see where it all stemmed from and why the reversals have been put in. They can not figure out why money is being applied to other and what that is. You also cant follow where the principle payments have been applied properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we called Comenity Bank ( XXXX ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX  about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing Experian with proper legal documentation of my " Legal Name '' and " Current Address '' Experian is willfully choosing not to correct the inaccurate information. 

Please see attached previous complaints XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, Equifax is screwing around. It definitely seems like I am being targeted for either filing previous complaints or my minority status. On XX/XX/XXXX my score was XXXX. Equifax knocked it down to XXXX the only change being a charge of {$250.00} on XXXX. XXXX points just on that change. They corrected on XXXX. Now again they dropped XXXX points just on a charge of XXXX on my XXXX. This is totally ridiculous and seems pretty obvious I'm being targeted for some reason. The other reporting agencies are not doing this. This is about the 4th or 5th complaint I have filed to Equifax. I have never been late on any payments, and have 29 % usage on all my cards combined and income of XXXX. I demand that this get corrected immediately and have someone in management reach out to me to explain to me why this keeps happening and how they plan to correct this moving forward. When you call customer service the reps are clueless. I am very close in filing a lawsuit for discrimination and the hardship that this creates when they keep playing around with my score. I'm sure if I take legal action it will become a class action suit. I'm sure they are screwing a lot of individuals.
Product: Debt collection

I have sent XXXX dispute letters to the creditor : LVNV Funding/Resurgent Capital, requesting ALL requested information to fully validate this alleged debt and they have refused to send the requested information. In lieu of the requested information, I have received a BILLING summary, which is NOT proof of ownership and the right to collect on the debt and copies of the alleged monthly billing cycles. I have NOT received the FULL original account number of the alleged debt, or my written signature for the alleged debt.