23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been with Capital One for several years now. I pay my credit card every week from my own external banking to Capital One. I log into my online credit card everyday just to check to make sure everything is okay. With their old online platform, although I did have lots of problems with logging into their online credit card account, the old online platform did show me the payments that were made from my external bank account. 

However, with their most recent new online platform, it does not show my payments from my external bank account. I called their Customer Service and complained, but their employee said they do not handle this issue in their department. I then emailed my complaint to XXXX but they ignored my emails.
Product: Credit card or prepaid card

This account was originally opened by me. However, I lost my wallet right after opening the card. The person who found my wallet mailed it back to me because my drivers license was in there however when my wallet was returned to me 2 gift cards, cash, and my chase card were gone. By the time I noticed some person in New York had ran up a balance of almost {$3000.00}. I called Chase as soon as I found out and they said they would investigate my claim. they later said that they denied my claim. I spoke to them a few times after that but was unsuccessful. I do not have any debt in my name other that this card. The thief took more than my chase card but there is no way to track gift cards and of course the cash is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my credit report from TD BANK N.AXXXX XXXX XX/XX/XXXX, I have been trying to settle this account for many years but there is no phone number to be able to settle the account. I have most recently summited a dispute XX/XX/XXXX, as well as mailed in a letter to all of the credit bureaus, only to get a mailed statement back of the account. I am not disputing the amount, I am disputing being able to get in contact to be able to settle so I can get this report off my account. I have called TD BANK/XXXX directly for them to have no information regarding account, despite the charge off continuously being reported. Because I have summitted prior disputes, I am now unable to continue to put in disputes even though the issue hasn't been resolved. How is this fair to consumers to be forced to have this charge off with no way to settle? I've called the credit bureaus costumer service with no advice. I'm taking all the steps that I can with no resolution and my credit score is suffering because of it.
Product: Money transfer, virtual currency, or money service

A friend had recommended a bitcoin investing advisor and service that she was successful with. I had several questions for her and contacted her advisor. 
I did two XXXX transactions for {$500.00} each to open my account and invest. 
Gainplox.com is the site. I watched my investment grow and the advisor suggested I withdrawal my profits and when I questioned my friend she said that is what she had did as well. ( They wanted a one time fee for my withdrawal code ) I did not make that transaction because I was extremely suspicious of something to good to be true. I then found out that my friend was someone that had stolen her account and I was speaking to a scammer telling me to invest with her advisor. 
Their site mentioned about still shows my initial investment, but I am sure it is bogus. I have filed a report with the FTC today ( XX/XX/XXXX ) I tried to contact Bank of American Friday when this happened by emailing them the transactions to the abuse email. No one has contacted me and they do not have anyone to speak to today as well.
Product: Debt collection

Our phone number keeps getting calls from Superlative RM, a debt collector company. The last date was XX/XX/XXXX at XXXX XXXX. We do not know which of us they are calling for because they never leave a name in the message. The truth is, we do not know why they keep calling because we declared Bankruptcy in XXXX XXXX and have had no debts since the Bankruptcy. We will not answer the phone to them because we do not owe any money to any person nor to any company. They do not always leave a message, but when they do, they ask that we call them concerning a debt, but we have no debt. We are tired of getting these harassing calls when we do not owe any money to anyone. We also know that there are many scammers that call people, so again, we will not answer the phone. The phone number on our phone I.D . that they call from is : XXXX but the number they leave on the message to return their phone call is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.
Product: Debt collection

XXXX XXXX manages several toll roads in the DC area. I have an XXXX transponder that allows me to pay necessary tolls. 

My transponder balance apparently dropped below {$0.00}, and I was assessed a charge of {$3.00} for two missed tolls. One for {$.00} and another for {$2.00}. 

XXXX XXXX did not send me a notice via mail regarding this missed toll, and sent my debt to Nationwide Credit Corporation who assessed a {$100.00} admin fee for each missed toll. Fees total {$200.00} on a debt of {$3.00}. These fees are exorbitant and do not align with the value of the debt. NCC refuses to drop the admin fees despite the extremely low debt amount, active XXXX XXXX participation and lack of notification by mail.
Product: Student loan

Change to a repayment plan. Was given late days on my credit report when I qualified for XXXX payments. Under the impression it was a 10 year then forgiven, that is not what has happened
Product: Debt collection

They call everyday XXXX times a day now they have called my place of employment giving out my personal debt details
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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  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 or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 



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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

609 dispute letter Dear Dispute Department : I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : WELLS FARGO DEALERS SVC Account Number : XXXX Description of Dispute : Account has reported non payment since XX/XX/2020, payment did have prior late payments due to XXXX financial disaster. Account reports closed account when is current and open, has reported bad payment history, Incorrect loan holders information, Incorrect. 
Evidence Enclosed : have spoken with both loan provider and credit reporting company. Please advise. 
I am requesting that you remove this information from my credit report. Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then
Product: Student loan

They delay processing payments submitted by check/mail. When I called they told me that their " official policy '' is to handle all incoming payments " within a few days up to a couple weeks ''. This is unacceptable and results in me paying increased interest. I have to monitor it online and it could have resulted in missed payments if I didn't also make payments online. I believe that this is an ongoing, established practice to increase revenue and charge the borrowers more interest.
Product: Credit reporting or other personal consumer reports

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX I want this deletion from my report 3 bureaus.
Product: Credit reporting or other personal consumer reports

My identity was stolen I have things loans debts credits cards etc car loans that have been fraudulent and I cant do anything for my kids because of this.
Product: Debt collection

I sent a debt verification letter on XXXX Certified Mail. I did not receive a response. This is my second attempt to contact and verify this debt both times have been ignored.
Product: Credit reporting or other personal consumer reports

There was a XXXX XXXX credit account fraudulently opened and hard inquiries recently added to my credit report. We already had this XXXX XXXX deleted now it's back. I filed a complaint wuth the FTC and attached the report report. 
accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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 RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

I deposited a check, and had to wait several days for it to be credited. In the meantime, some charges came in to my account that caused it to have a negative balance. I was charged for each of these overdrafts @ $ XXXX/charge. This seems excessive to me.
Product: Credit card

I closed my credit card account with Citi on XX/XX/XXXX. I paid the account balance in full on XX/XX/XXXX.The last statement was due on XX/XX/XXXX so I now realize this was late. I was charged interest of {$3.00} and a late fee of {$25.00} on XX/XX/XXXX ( the day after I paid the account balance in full and two days after the XXXX statement was due ). Of course I did not realize I was charged because I did not know the bill was paid late and I had though that I had paid the account balance in full ( not just the statement amount ). Since then I 've been charged an additional late fee of {$25.00} and an additional interest charge of {$0.00}. I asked them to please remove the late fees since this was clearly a misunderstanding, I had never paid a bill late before, and had already attempted to close the account. Citi told me that they can not waive the late fees because my account was closed. I feel that I am being penalized for closing the account. The terms also say : " The amount of your late fee will never be higher than your Minimum Payment Due '' which is not true in my case since the minimum would have been the interest charged. Also, I was told that my account did not have " Courtesy Late Fee '' removal because I earned miles using the card ( though other Citi cards do ) and that is not listed in the terms of agreement.
Product: Credit card or prepaid card

Why does Citibank not offer latest card technology tap pay contactless like many banks already have the Citi retail cards dont have this very inconvenient with covid its safer than a chip card which is what they currently only offer the Exxon Mobil card to does not have the symbol to tap to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, TRANSUNION REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XXXX AND XXXX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XXXX AND XXXX ON THE SANTANDER CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, Equifax erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX LOAN .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 



Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Has attempted to or may have successfully opened lines of credit, via PayPal and apparently Venmo Visa XXXX I am receiving letters I have never applied to or authorized this Synchrony, PayPal and Venmo Visa. Would the FTC please help me?
Product: Checking or savings account

I have been a victim of Identity Theft since XXXX. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at Chase Bank, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX concerning fraudulent accounts at each. Chase Bank actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use Chase products. And Chase did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against Chase Bank. 
XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at Chase Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX be deleted MMEDIATELY.
Product: Credit card or prepaid card

I have an XXXX XXXX credit card issued through Citi cards. Citi offers an account management portal on the internet. Within that account management tool is the ability to message with Citi securely. They call it the " Secure Message Center ''. I reported several months ago that I had submitted a question via Secure Message. Citi first responds by regular email that a response is in the customers Inbox. When I check my Citi Secure Message Inbox no message is present or visible. They assure me that a message has been sent. Citi also acknowledges that they are having technical issues with this service. This issue has been outstanding for approximately six months as far as I know.
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My concern is what happens to the messages that Citi sent me? Who received that message if not me? Where did the information contained in the confidential message go? <P/>I suspect that Citi has a potential Information Security Breach and has not taken proactive steps to safeguard customers information. Citi can not provide me with information that proves the message intended for me was not received by some other Citi customer.
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Citi knows of this problem but either can not or will not correct the issue. <P/>I last spoke with a person by the name of XXXX who gave his job title as Assistant Vice President of Operations. I ask for other management contact references and that request was refused by XXXX. I was also given an email address to send Citi 's email responses to me. XXXX My recommendation to Citi was to cease offering the Secure Message Service until it is fully operational. I made clear that I am concerned about the security of my personal information yet Citi seems very unconcerned about that aspect of this problem. <P/>Thank you,