23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Capital one has repeated " returned '' my car payment but I have not received the money back into my bank account. I called my bank today to confirm and I have no returned payments at all from capital one auto finance. I want to know where the XXXX my money is if it was supposedly returned. Why was it returned when it was accepted intially for my car payment then I was charged not only a fee but extra money toward my auto loan? This is unacceptable! Over the course of my loan I have {$1900.00} in payments what have been supposedly returned but no record from my bank that it was returned or the money was placed back into my account. I have also submitted XXXX XXXX XXXX. The company has refused to acknowledge the information on their own mobile app stating the payment was not returned and they have no control over what the mobile app states.
Product: Credit card or prepaid card

My Apple Card was restricted out of the blue on Monday, XX/XX/XXXX and I contacted Goldman Sachs specialist every hour for the last 8 days and they kept saying I will hear back soon with no specific time frame in mind. All they said was that my account was under review and there was nothingt hey can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just cancelled my XXXX XXXX and I did not know this was an optional service, otherwise I would have denied this service upon original charge. This is deceptive banking practices and doesn't even come up as a charge, but rather a fee on my statement. I would like to be refunded the entire amount I have been charged for this deceptive practice. It even says " PROTECTION FOR YOUR ACCOUNT! '' under this charge.
Product: Credit reporting or other personal consumer reports

Miscellaneous things reported on my credit as my information was exposed in a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021 i pulled my credit thru XXXX and seen 2 accounts that are not familiar to my credit report. i have never open these two accounts so i have filed a identity theft report with the federal trade commission. i do not know the dates to when these accounts were open but the information is listed in the report i filed. please see attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This address does not belong to me. It's a Private Mailbox address with no suite number. I do not have an account at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit card or prepaid card

I have been trying to resolve a credit card issue with Fifth Thirds Bank since around XXXX, when someone fraudulently charged my credit card from XXXX  ( I live in XXXX XXXX XXXX Since then, they have stood behind a nebulous and archaic system of long hold times ( regularly over an hour ), phone transfers ( as many as four times before I can speak to anyone ), and claim denial - I initially had filed my claim as an incorrect amount because I had ( coincidentally ) bought something from the vendor who had charged me. The company listed the dispute as denied without ever looking at the name associated with the charge. I was asked to e-mail new information about the case to their disputes e-mail, which is apparently unused. They could not find my e-mail ( I've called twice about JUST THIS particular phase of my claim and been promised that I would receive a call back, but nothing was done ) despite my having followed the instructions for e-mailing a document. TODAY, I was told that I shouldn't use e-mail ( why do they HAVE an e-mail address then? ) Because I initially filed my claim as an incorrect purchase amount, the company has closed the chargeback claim and ignored everything that I have sent to them about this. At this point, the {$99.00} charge has cost me so much in time that it has turned into working for less than minimum wage to get it back. They have repeatedly promised to have investigators call me back and never did. They insist on things being faxed and " snail-mailed '' to them in a way that is clearly designed to insulate anyone who can make decisions on chargebacks to make it difficult for claimants to get their money back.
Product: Credit card or prepaid card

I logged in online to cancel my XXXX card, after I was told they are raising the fee. The online portal does not have a cancellation option. I called the number on the back of the card and was told that I could cancel until I spoke with a certain rep. I asked to speak with a manager after being on hold for over 25 minutes. They as well refused to cancel my account. It seems that the goal is to make you wait until you get tired and hang up and or yall to some shady sales rep who tries to get you to keep your card. This shouldnt be a difficult process and it should be able to be completed online and or by any rep who answers the phone, or at least a manager. Horrible company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 Section 602, states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for XXXX.
Product: Checking or savings account

Transanction of {$100.00} used with XXXX  at XXXX was made on XX/XX/year> randomly popped up for me. I do not currently use XXXX  for anything because my account has been blocked since i owe them money so it makes no sense on how i made a transaction with it for XXXX especially in XXXX  when I live in XXXX. The zip code is XXXX in XXXX  and I live in XXXX, XXXX, XXXX. I started a dispute with creditkarma about this transanction that i didnt make or authorized i even cancelled my debit card and order a new one but they ended up saying i lost the despute and that i authorized the transanction
Product: Checking or savings account

On XXXX/XXXX/17 a charge, " Other decrease '' of {$38.00} was charged to my mother 's account, whose only income is XXXX payments. I contacted Citibank customer service, who indicated that it was a charge but for a different account, which was closed years ago. They said they could not take my complaint and asked me to write to Citibank Exception Processing in XXXX XXXX, Texas. It has been a month since I sent them a letter and so far no response from Citibank.
Product: Debt collection

Got a letter from XXXX XXXX XXXX , XXXX to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or XXXX XXXX XXXX , XXXX has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion s end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX gave away equipment to someone without an identification. Then charged my account. I asked for surveillance video and they couldnt provide. At that time I was assured by a sprint executive that I wouldnt be charged. Now they have sold the debt to a new company and they damaged my credit report and put derogatory marks when this debt is not owed. The company name is source receivable management in XXXX NC
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent all the required documentation to Experian to reflect my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. Thank you.
Product: Payday loan, title loan, or personal loan

I get XXXX Loan and they wan na charge me XXXX!! I paid ever 2 weeks, automatically payment, but this is never gon na have a end!! I cancel the payments when I see this is was a abuse interest!! 
I already paid XXXX and I still have a outstanding balance for XXXX!! I talk to the customer services today to trying a some deal or modify the amount, but they dont wan na make any deal!! Even I offer to paid it in one time payment!!
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX  Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX Number XXXX. Specifically, late payments were reported for XX/XX/2023, which I believe to be inaccurate due to the legal protections in place during the XXXX pandemic. The following federal laws protect my consumer rights and have been violated in this case : XXXX. XXXX ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. XXXX. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXX assistance plan, so the late payment information is inaccurate. XXXX. XXXX ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the XXXX assistance terms, violating this requirement. I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the XXXX pandemic. Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a XXXX assistance plan. Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, I walked to my local Bank of America ATM next to XXXX  XXXX 's to get some cash to buy food. I requested {$130.00} and the transaction was denied. I then pressed the button for balance inquiry and nearly died when the screen said {$25.00}. What happened to the XXXX of CA EDD funds that should be in my account? 

I would NEVER take out huge sums of money via ATM from this account -- which is why I've set up a bank transfer link when this account was first opened. 

My first action was to go to my online account and see the transaction history. At the same time, I immediately called the number on the back of the card for assistance ( XX/XX/XXXX, at XXXX ). The person answering the phone told me this is the Claims Department ( not XXXX ) and that her department would file a claim for me, # XXXX. I asked her how long it would take for my money to be replaced and she did not give me a clear answer. We need these government benefits to live on as I don't have any other government assistance like SNAP ( food ) or CalWRKS ( cash aid ). The only solution they offered was to immediately replace the current card. 

Please be advised however that my card was never lost nor stolen ; it is still safely secured in my wallet. So how did these transactions occur? This program with EDD/Bank of America was stated to have " ZERO liability. '' Otherwise, why not just use for own bank account for direct deposit? We are suffering without this money BECAUSE of being UNEMPLOYED since the start of this pandemic. That is why we get this money in the first place. And yet, Bank of America has thrown it away. 

When I looked at my online transaction history, I saw the four fraudulent transactions that led to my account being drained. They took place on XXXX and XXXX of XX/XX/2021 : two of them were " balance inquiry '' actions at two different XXXX XXXX branches I never use. The other two transactions were Bank of America ATM withdrawals : one for {$980.00} in " XXXX '' XXXX XXXX which I have never used nor been to ( we live in XXXX XXXX ), and another {$600.00} withdrawal in XXXX on a day when I was in XXXX XXXX, California. 

This is all very weird. On the XXXX, the person went to a XXXX XXXX to get a balance inquiry first, then to a Bank of America ATM for the withdrawal, and repeated this same process on the next day ( XXXX ) in a different city. A total of {$1500.00} now stolen from my account. 

After that conversation with Claims, I asked to be transferred to the " Fraud '' department and this person wasn't helpful either. She said the only thing she could do was to " block '' my account -- which I clearly told her NOT to do because after that, I wouldn't be able to use my account in the future. 

As of this writing, there has been no further communication from Bank of America concerning this situation or when I can expect replacement of these stolen EDD funds.
Product: Credit reporting or other personal consumer reports

I sent a letter request to opt out of reporting. And did not receive a response.
Product: Credit card or prepaid card

I need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-XXXX!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX INACCURATE LATE PAYMENT REORT REPORTING TO MY CREDIT REPORT FOR XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the XXXX XXXX XXXX. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted Consumer Portfolio  Services On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/year> XXXX XXXX XXXX Consumer Number : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your XX/XX/year> letter. I want to clarify that I am not disputing any information on my XXXX consumer report. My request is straightforward : I am asking that my UCC-1 financial transactions be added to my credit profile, in the same manner as any public record trade line reported by a credit bureau or data furnisher. 

I do not understand the basis for your indication of possible fraudulent activity, as there is nothing fraudulent in the information I have provided. Please explain what specifically raised this concern and why it affects the simple addition of my UCC-1 filings as public records to my report. 

To reiterate, I am asking for my UCC-1 filings, which are public records, to be treated as credit transactions and displayed on my profile, as would be done for any other trade line. This is not a dispute, but a request for the inclusion of accurate, relevant information. 

Please confirm receipt of this letter and inform me of any additional steps required to fulfill my request. I appreciate your attention to this matter. 

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

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove it immediately.
Product: Credit card

XXXX customer service on chip XXXX XXXX affinity cards with chips disputes overdrafts interest rates and credit lines and crime victims of identity theft tied to other affinity cards like wounded warriors and XXXX XXXX XXXX XXXX and XXXX XXXX venture when ofac deposit bases are concerned
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/2022 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00}
Product: Debt collection

I was a resident of XXXX Apartments from XX/XX/XXXX until XX/XX/XXXX. Once I moved out the apartment complex charged me XXXX for repairs they said they had to make, which was untrue. This debt has been forwarded to the collection agency Pro collect. I spoke with them about this debt and explained that I did n't owe this amount because I left the apartment clean. They were not interested they said I owed the amount. I then filed a complaint with the XXXX apartment association and they investigated the matter. They found that I did not owe this amount and the apartment complex did n't have any pictures or proof of said damages. They found that I only owed XXXX dollars and some change for normal wear and tear. The property management company XXXX also received a copy of the findings. However they refused to accept a payment from me and the collection agency is reporting this on my credit every 90 days or so. The last reporting was XX/XX/XXXX. I have sent them Pro Collect collection agency a copy of the email I received from the XXXX apartment association including the correct amount owed. They have chosen to ignore it. As a matter of fact XXXX XXXX the collection agent in charge of my account hung up in my face and refused to take my calls. They know they are reporting a lie I have sent them the evidence. I have also filed disputes with XXXX and XXXX  regarding this matter.
Product: Bank account or service

I deposit a check to Chase bank to one of their Teller on Monday XXXX. XXXX and it was saying depending. The next day on XXXX XXXX I check my account threw my text and it said chkXXXX avail {$190.00} at XXXX and the I check again it said chkXXXX avail {$10000.00} at XXXX. I paid some bills threw the online banking and then went to the bank to get a new debit card and get money out and they tell me the check is still depending. How can it it is depending when I look online it say available balance still there of {$5200.00} and all the bills i pay online when threw. The banker at chase put a hold on all my money.