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

Today XX/XX/2018 at XXXX I contacted XXXX at XXXX. I contacted them in an effort to get my online banking unlocked. I currently have a Checking account, Credit card and Life Insurance policy with USB. I was told the only way I could unlock my Online Banking was to obtain a Debit Card. I expressed that I do not want a debit card on my checking account, that it is a service that is not wanted or needed. The individual on the call ( which I did confirm was recorded ) stated that it was required to have a debit card to have my account unlocked, because I had a debit card in the past ( which was five years ago ). I do not appreciate being FORCED into a product or service that I do not want, expressed that I do not want, and that I do not need. I feel as though they acted as XXXX XXXX recently did, but giving me no option and forcing me into a product that was never disclosed as a requirement. I do not want a debit card, I do want online access. And considering this was never a disclosed requirement to have a debit card to have online access I want it resolved immediately. I also highly encourage you to listen to the recorded call, I just had. I am completely amazed that they very abruptly violated regulation by forcing me into a service.
Product: Credit card or prepaid card

Applied for the ''Amex '' Magnet credit card around XX/XX/21 declared as pending status. I called around XX/XX/21 was informed I was approved then I said now I can work on the reward to their personnel and she responded ok. Then I called Fri. ( XX/XX/21 ) I had a few questions for them in conversation they then informed me I wasn't going recieve the {$200.00} statement credit due to to many accounts open and closed in a 2 year period and that I closed one their c.c 's in the past even though it was in good standing. I then proceeded to ask there personnel why they didn't inform me of their refusal to pay me a {$200.00} statement credit on ( XX/XX/21 ) when the lady had all my personal information in their computer on that day? They didn't have an answer for that then I logged an official complaint with them on ( XX/XX/21 ) and they responded weeks later with the same reason. In my opinion this is very unfair of them not informing me from the beginning. I presently still have this Magnet credit card in good standing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account : 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 ( 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: Debt collection

I won a case against a XXXX in XXXX. The judge ruled I notified the company in enough notice and was due a refund of the security deposit. The company sent the account to collections. I contacted the company and submitted disposition of the case. Hunter Warfield informed me that it does not matter what the court of law rules. They are in XXXX and I will be sued and taken to jail if I do n't pay. I can not understand how a debt collection agency state they have more power than the courts and they do not have to abide by the judges rule. This is a direct violation of FCA and illegal.
Product: Credit card or prepaid card

I already hard a regular Prepaid card and got a offer for a credit card had no balance I got paid on my regular card and transferred my money onto the repair credit card! And now they said it was a credit they gave me I have proof on the statement saying that money was transferred from my regular Prepaid chime card! I tried to dispute this on XXXX but they won't change it!
Product: Bank account or service

The Honorable CFPB & FDIC RequestBRING THIS INFORMATION TO SPEAKER XXXX XXXX & XXXX. XXXX XXXX XXXX AND CHASE BANK OFFICIAL IN XXXX : I write in a escalated serious of Chase Bank required bring XXXX XXXX XXXX to Chase Bank - XXXX, XXXX OR XXXX OR OTHER LOCATION for getting assistance with opening new debit, credit card, checking account, help me install Chase Bank app on my mobile device with helping assistance me with XXXX and others, so I prefer male in highest position works with me in resolution problem so get me in Chase Bank immediate action without XXXX XXXX that I do not want see this person. Please remove CFPB papers from XXXX XXXX transfer to other male person can take handle CFPB immediate action. Let me know that Please XXXX XXXX, 2015 of Chase Bank male must pick up me bringing to Chase Bank immediate action today in formal requests. Please take making procession immediate action, Please bring a paid rent check bring to CFPB and FDIC must allow seeing what wrong with me on check image from XXXX XXXX XXXX. Response to me making let me know when and what time do Chase Bank arrange, please. Thank you for taking formal time! I ASKED CHASE BANK FROM OUT OF TOWN BRING ME TO OUT OF TOWN ASKED BY XXXX XXXX NOT XXXX XXXX OR LATE DATE. I DO NOT WANT TOO WAITING LONG FOR GETTING A NEW SERVICE SO I DID NOT GET {$750.00} CHECK CHECK FROM CHASE BANK! 

WHY NOT FORWARD TO PRINTED CHECK WITH SAD ICONS SEND TO SPEAKER XXXX XXXX AND XXXX. XXXX XXXX XXXX AND OTHERS. WHY I CAN NOT AFFORD HIRED ATTORNEY! I AM NOT HAPPY WITH XXXX XXXX XXXX AND CHASE BANK NEVER PICKING UP ME BRING ME TO OUT OF TOWN TO THEIR OFFICE!
Product: Debt collection

I XXXX XXXX am writing to dispute the following information Original Creditor 08 CAPITAL ONE BANK USA N A Current Creditor XXXX XXXX Account Mark Collection/ chargeoff Past Due {$440.00} Reported On XXXXXX/XX/2017 that your company provided to XXXX, XXXX, and XXXX   I have listed the items : This item : Original Creditor 08 CAPITAL ONE BANK USA N A Current Creditor XXXX  XXXX  Collection Past Due $ XXXXReported On XXXXXX/XX/2017 is inaccurate because there was a data breach resulting in identity theft. I am requesting that Capital One Bank and XXXX XXXX XXXX XXXX  XXXX  have the item ( s ) removed or deleted. 
Please reinvestigate and remove these matter [ s ] and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting

this is an account that should be of my report years ago. I contacted the state that started and closed this account. They state the account is closed, no balance as of XXXX. And, they are not reporting to any credit agency. I disputed this account with Equifax in XXXX 2016. There investigation reports, that this account will be removed 7 yrs after the account is closed with zero balance. So, it should n't be on my report as of XXXX 2016. So, I do n't know where to turn to get this resolved and its keeping my score down
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has still knows all my credit report that is supposed to be off XXXX sent them a letterAnd they still are showing on my credit report
Product: Credit card

I am disputing the collection account with XXXX, account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton XXXX XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit reporting agencies XXXX, equifax, and XXXX have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXXXXXX XXXX XXXX that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.
Product: Credit card

Someone hacked into my XXXX account and placed a {$27.00} order for a wallet from a 3rd party seller and had it shipped to their address in XXXX ( I live in Kentucky ). I called XXXX and they said it was too late to cancel the order and that they were sorry. They told me to dispute the charge with my credit card company. I removed my credit card info which was saved in their system without my knowledge and I changed my password and deleted the new shipping address that the hacker added to my account. 

I disputed the fraudulent charge with U.S. Bank and told them I did not place the order, did not authorize the charge, and did not receive the merchandise. They made a provisional credit for {$27.00} to my account. XXXX rebuts with documentation showing the wallet order and the name and address where the wallet was shipped to along with USPS tracking information showing delivery to that address. 

I received a letter from U.S. Bank with copies of XXXX 's rebuttal. The bank tells me the charges appear to be correct as billed. They reversed the {$27.00} back to my account. XXXX failed to give the IP address of the person that placed the order. Why? 

Why am I being forced to pay for a wallet for a crook in XXXX which clearly is fruad? I do not have a California address and I have never lived in or visited XXXX. I do not have friends in XXXX. Why is U.S. Bank and XXXX not protecting me against this fraudulent activity? 

BTW, I am a Verified By XXXX member. Why did XXXX fail to protect my account?
Product: Checking or savings account

I am a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a balance transfer with Capital one. The money was supposed to be sent from Capital one to XXXX. They made the mistake and sent the XXXX dollars to another bank : XXXX XXXX, to a non-existing account because there is no existing account with that number, and I don't have an account with that bank. Capital one told me it was cashed and that they cant give me my money back. We got on 3 way calls with XXXXXXXX XXXX, faxed them a copy of the check that capital one sent and confirmed they recieved the fax and were going to send the money back, capital one said to send it directly to me. Then i call XXXXXXXX XXXXk and they dont know what to tell me since I dont have an account with that number and that any checks they send directly to the banks. I call Capital One and then they tell me that they havent recieved anything. I called multiple times and even one member almost started crying saying they dont even know what to do and it might be XXXXXXXX XXXX Problem. Then she goes and tells me, that actually it was all their fault and the problem couldve been solved since XXXX because it was actually never cashed out and that they were going to give me my money back for any monthly payments I made, and that it should process within four days, to see no balance from that balance transfer on my account and recieve my money two days after that. I call again within that time and they tell me I actually have one to two cycles before it processes and that I have to pay those months. I call within that time and they act as if no notes were written about my account, and that they cant find those notes. I took the names of everyone i spoke to and im so frustrated because Im XXXX XXXX in college and can not afford to pay something that I shouldnt even be paying for, its messing up my credit, it wasnt my mistake and Capital one has been the worst experience ever. They hung up my call. They hung up my call, put me on hold for 10 minutes then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXXXXXX XXXX card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax REFUSES to delete a fraudulent Collection that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Equifax deleted the charged off account associated with this fraudulent account, they refuse to use the same LOGIC and remove the collection account. I have provided direct correspondence from XXXX and XXXX as well as Equifaxs own findings that shows their investigation was concluded and was found in my favor, Equifax ignored this and instead refuses to delete. This fraudulent collection account continues to report and damage my credit score monthly.
Product: Money transfer, virtual currency, or money service

Im working on getting my husbands estate closed and he had an account with Coinbase. I contacted them originally along with my lawyer and neither one of us received any response. They offer on their website to be able to recover deceased family accounts, but there was never any response. I did it several times. There is a significant amount of money in his account and it would be very helpful if I could get it back to pay his debts. Any help or guidance would be greatly appreciated!
Product: Debt collection

I have been receiving repeated calls from XXXX XXXX from phone number XXXX ext XXXX
Product: Mortgage

This is regarding my mortgage with my lender Specialized Loan Servicing ( S.L.S. ) account XXXX on XX/XX/2020 i made a payment online for the mortgage amount stated due for {$4000.00} a Month later I was in the process to refinance my loan when i was informed that the lender placed a 30 day late on my XX/XX/2020 payment. I quickly notified the lender and spoke to several individuals representing SLS. They stated the funds for some unknown reason went into a ( Unapplied funds account ) which they also admitted was not normal and was indeed an error on their part. They said they would place a ticket to the credit Bureau to have this removed. As of today XX/XX/2020 this not only has not been removed they added my payment for XX/XX/2020 as a 30 day late. My account indicates that both these amounts went into a Unapplied account and not giving me credit were credit is due and I am now getting penalized for their mistakes. I am asking you to look into this matter, I have documents from both my account with SLS and bank statements that prove my payments were not 30 days late. I have also heard from friends that they experienced the same type of experience with this same Lender.
Product: Debt collection

I sent a debt validation to Financial Data Systems, XX/XX/XXXX, requesting debt validation for the medical debts they have listed on my credit reports. On XX/XX/XXXX, I received a letter back with detailed information regarding the medical procedures that were done. I never gave permission for anyone to release medical information to third parties. Therefore, Financial Data Systems having access to these medical records is a very clear HIPAA violation. I then sent another letter on XX/XX/XXXX requesting my signature showing that I gave permission for the release of medical information to Financial Data Systems. However, I never received another response regarding this matter. I have attached the letters received and the follow-up letter I sent that I made a copy of.
Product: Mortgage

1 ) Closing on new home ( new construction + new address ) XX/XX/2022 XXXX ) Home owners insurance done through broker 3 ) Insurance company sent me physical mail 4 ) USPS failed to deliver due to couldn't find new address ( my assumption ) 5 ) Because of that ( I did not respond to mail ) insurance company cancelled insurance 6 ) Mortgage company ( Crosscountry ) contacted me saying " you do not have insurance '' 7 ) I bought different insurance and provided it to Crosscountry 8 ) Now Crosscountry saying that i did not have coverage in the past for 34 days and demand proof of coverage 9 ) I called several insurers - noone provides insurance for time in the past 10 ) Crosscountry threatens to charge me about {$1000.00} for time in the past were i have gap in insurance - my total yearly insurance is about {$2200.00} 11 ) To me it is a highway robbery
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.
Product: Credit reporting or other personal consumer reports

Business corporate card reported on my personal credit history - credit card was under business corporation and shouldn't be reported on personal history. None of our other business / corporate cards are listed on our personal history.
Product: Credit reporting or other personal consumer reports

XXXX card, {$21000.00} credit limit, past due XXXX days+ XXXX {$14000.00}, I am the victim of identity theft with XXXX XXXX XXXX. XXXX opened a credit card under my name and SS number without my approval. The fraud was committed by a person with a California address and I have never lived in California. I have provided identity information to confirm who I am and filed a police report. XXXX has not communicated with me and has taken NO ACTION. This was first reported to XXXX in XXXX and they refuse to remove the information. I have tried to communicate with XXXX and have left email address and phone numbers but they never respond.
Product: Checking or savings account

I submitted a dispute via XXXX and received a letter back on XX/XX/2021, in addition I had submitted the notarized affidavit regarding the Identity Theft and per letter received, The documentation provided is not signed by law enforcement officer, as a result it will remain on XXXX per the signature page, As applicable, sign and date IN the presence of a law enforcement officer, a notary OR a witness I signed in presence of notary.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

I opened a new credit card account with my credit union. I then tried to transfer a balance from a Line of Credit over to the new credit card balance. The credit union 's system allowed me to do this, but they did not in fact transfer anything. The instead added to my LOC the amount of I tried to transfer. So essentially I tried to transfer a balance of {$650.00} from account to another. The Credit Union simply added {$650.00} ontop of the XXXX, so now I apparently owe them over {$1200.00}. When contacting the credit union all they would say is I messed up its my fault I did things wrong. Now, all my balances are messed up and the credit union will be stealing over {$650.00} from me once I pay that balance off.