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

capital one went to a new system and since has been sending personal/private banking transactions to an non secure email account. they refuse to stop. even though they send it by https, that is only for the transmission through all of the nodes it must pass, it is not end to end. when that transmission is stored, it is stored in plain text free to the world of miss fits to hack. the email is not encrypted end to end so open to the world for data mining. no body needs to know i paid this or that or transferred this or that. i do not need that information since i already have it secure on the banks site and my account which only i have access unless the bank is hacked, harder to do than hack email. 
i went through the XXXX  of virginia and the attorney general office of consumer affairs of XXXX and yet capital does not respond or thumbs the nose up at powers to be and has no concern for customer data. i never gave them permission to do this! 
correspondence to : capital one XXXX XXXX XXXX XXXX XXXX, VA XXXX too many phone calls and different phone numbers and countless agent
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX  {$360000.00} / XX/XX/2022
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 U.S.C 1681 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 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 am writing to report that I am a victim of identity theft following a data breach that compromised my personal information. As a result, fraudulent accounts and credit inquiries were made in my name without my authorization. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I respectfully request the immediate blocking and permanent deletion of the following accounts and inquiries from my credit report. 
Fraudulent Accounts : 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 reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion special handling department explaining that someone has taken control of my identity. I have recently reviewed my credit report and someone has been attempting to get accounts in my name without me knowing. I have attached the identity theft including the things that are FRAUD.
Product: Credit reporting or other personal consumer reports

As filed in previous complaint XXXX date of XX/XX/XXXX with the CFPB. XXXX XXXX XXXX XXXX charged off a debt in the amount of ( {$10000.00} ) reported on my consumer reports back in XXXX. XXXX XXXX XXXX XXXX needs o send me my copy B of the 1099c they filed to charge off this debt! According to the IRS PUBLICATION charge-off is considered income. INCOME can not be reported on a consumer credit report! 

Also XXXX XXXX IS In violation of multiple consumer laws and Privacy Acts and in Breach of Contract. In there agreement XXXX XXXX states that they only share information with there affiliates. XXXX XXXX has given my personal private information to multiple collection agencies such as XXXX XXXX XXXX, and XXXX and mltiple credit agencies still reporting this as an attempt to collect a debt!
Product: Mortgage

When XXXX XX/XX/XXXX I had it me and my son and I was XXXX XXXX XXXX for months wasn't able to pay my mortgage and fell behind.
Product: Credit reporting or other personal consumer reports

I have sent out several letters to each company requesting copies of my report and asking for inaccurate information to be deleted and updated. I mailed the first letter XX/XX/XXXX, no response. My second letter was sent on XX/XX/XXXX. I have received no response from either credit bureau with the requested information, or any response at all. The inaccuracies on my report are stopping me from obtaining credit and I want them removed immediately. By LAW they are to respond within XXXX days, no response has been made after TWO attempts. PLEASE REMOVE THESE INACCURACIES FROM MY REPORT. 

XXXX My ONLY name is : XXXX XXXX My ONLY DOB is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE these inaccurate accounts that are NOT mine. 


XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$150.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1000.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX My ONLY name is : XXXX XXXX My ONLY DOB is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$150.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

EXPERIAN My ONLY name is : XXXX XXXX My ONLY DOB is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$750.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 


XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
Product: Credit card or prepaid card

Chase CASE ID : XXXX My Mother had XXXX on XXXX XXXX, 2017 in XXXX, FL. I have all doctor 's note and completed Chase forms. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then XXXX at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and XXXX, I stayed in FL and was unable to take my return flight home. 

I asked Chase for the trip cancellation protection, but they declined it for 2 reasons. 1 ) my mom had a pre-existing condition. My mom did NOT have a XXXX XXXX. She went in for XXXX because of potential XXXX found by doctors just a few weeks prior. 2 ) XXXX refused to cancel flight instead provided flight credit expires in 1 year. But I will not be flying XXXX again because it does n't fly to destinations I frequent. I am happy to give the credit to Chase. 

I am disappointed that Chase trip cancellation benefit is so difficult to use. In effect, Chase is telling me that I am on my own when I helped my mother recover from XXXX. 

Please find attached all documents submitted to Chase : - physician 's statement signed by doctor - claim form - refund policy of XXXX - travel credit - credit card statement with XXXX charge
Product: Money transfer, virtual currency, or money service

I have reason to believe that a family stole my identity to get funds for a XXXX  loner and impersonated as me to get the lone and may have used self paid ADP checks or XXXX card to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Ed/Aidvantage reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.
Product: Mortgage

* I enrolled for biweekly mortgage payment for this mortgage ( initially was monthly 30 years fixed ) * I got an official amortization schedule for Wells Fargo, which detailed the exact timeline for the extra principal payments ( given the loan is now paid biweekly rather than monthly, I will have specified biweekly payments which will go towards principal. Specifically, each month in which there are 3 biweekly payments, 1 of them should be fully used to decrease the mortgage outstanding amount ).

* Since then, Wells Fargo has failed to apply the appropriate extra biweekly payments to principal - contrary to the same official amortization schedule they had sent to me * I called them in XX/XX/2023 ( that was the first month in which one of the extra biweekly payments should have gone to principal ). After spending lots of calls and time, they recognized the error and adjusted the account. 

* However, I have now called them again just to make sure that in XXXX we do not have the same error / problem again ( XXXX is the next month in which the extra biweekly payment should go to principal ) and they said no. Again, that is against the very same official amortization schedule they had sent me, so that is an illegal practice ( never have I seen a mortgage provider disrespect the official amortization schedule they share with a customer? ) * I spoke with several escalation managers, but they do not provide you with name / contact details/ emails- all you have is a phone number that you need to spend hours on with. Either way, I submitted an official case with them ( I wanted to provide them with an opportunity to redeem before escalating to CFPB ), but all they did was to ignore the issue and say I can not do anything about it. 

* As a single small consumer, I feel I am being scammed and bullied, and the fact Wells Fargo is not providing me with emails and contact details of actual managers who could solve the issue is unacceptable * As a consumer, I should put full trust in them and what they do- and yet I had to uncover the issue and the problem myself by going in detail through all the accounts payments. I have no faith in them anymore- and to be fair they as an organization are not new to such predatory behaviors against small consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So indigo is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact indigo and XXXX reports negative information. I contact XXXX  and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact indigo because it's XXXX  credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.
Product: Credit reporting

applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/2025 I made the car payment of {$590.00} through the automated system of the company in which the car has the loan through since the due date was on XX/XX/XXXX. On XX/XX/XXXX after I made the payment I received a confirmation email. On XX/XX/XXXX the payment of {$590.00} was reversed by the history on the account. On XXXX XXXX I called the company to find out what had happened. Per the agent advised the company automated system couldnt find my account information and reversed the transaction which caused the loan payment to become late with a {$30.00} fee. As I expressed to the agent I paid on time and I should not be charged a {$30.00} fee when I used their website to make the car payment of {$590.00} which verified my credentials to even get to the loan account payment icon. The agent said that they had been having some technical issues and asked me again did I call in to make the payment or did I do it online. I told the agent I made to the {$590.00} car payment online using the website and got a confirmation email. I told the agent I didnt reverse the transaction of {$590.00} your system did. The agent said that she would email the supervisor to reverse the {$30.00} fee and it should take XXXX to XXXX hrs. I paid {$590.00} with no fee and received an confirmation email on the XXXX of XXXX XXXX XX/XX/XXXX I checked the loan website and the {$30.00} fee was still on the account. I express the complaint to the virtual assistant which advised me I need to speak with an agent. Called the loan company spoke with an agent about the {$30.00} fee that was on the account. The agent said they will send the supervisor an email to get the {$30.00} fee reversed after I explained again and it should be a note on the account. On XX/XX/XXXX the {$30.00} fee still shows on the account. I dont understand why I have to call multiple times to this loan company to ask them to fix a problem their system created
Product: Credit card or prepaid card

I was approved for Maryland Unemployment in connection with being out of work due to COVID-19. I filed for Unemployment with Maryland 's Dept of Labor back in XX/XX/2020 and needed to go through Extensive identity and wages verification. I was mailed a Bank of America Prepaid Debit Card where my COVID-19 Unemployment was to be sent to. When I went to activate the card, I was unable to activate it. I called Bank of America and was told that I needed to contact Maryland Unemployment. I contacted Maryland Unemployment and was told that my benefits were reinstated after I passed the identity verification. True copies of the documents that I received in the mail from Maryland Unemployment are attached to this Complaint which explicitly states that the funds on the B of A Prepaid Card ending in XXXX would be unfrozen within 3 to 4 business days from XX/XX/2020. As of the date of this Complaint, the funds are still frozen. 

I've contacted Bank of America numerous times and have been given no information regarding this issue besides a letter that I received in the mail telling me that my card was being frozen due to some kind of investigation. This occurred even though Maryland Unemployment sent me the notice attached to this Complaint stating that after their formal and official investigation, my identity was verified. 

True copies of my Passport, Birth Certificate, and Front and Back of my Social Security Card are attached to this Complaint for whatever identity verification purposes that the Complainant may deem necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX  I have sent multiple letters to Credit Reporting Agency regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently. 

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the credit reporting agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.
Product: Checking or savings account

I attempted to deposit {$170.00} at a Bank of America ATM. The machine took my money but it didnt deposit the money in my account and the machine gave me a receipt that stated that it could not release my money from the machine. I contacted the bank immediately but nobody has returned my messages. I can not get customer service to help me.
Product: Checking or savings account

XX/XX/2022 - I checked my online banking account- noticed an unauthorized transaction of {$500.00} from Debit card - I immediately called and reported. 
Was told my card needed to be closed out a new one ordered- they said transaction will be stopped and funds replaced. 

Today XX/XX/2022 I needed to transfer funds in my checking today XX/XX/2022 ( from my savings ) so I could make a daycare payment and pay another bill - UNABLE to do this without the overdrawn amount being taken out - as this caused my account to be overdrawn as it was not authorized so did not transfer funds to cover - I DID not authorize this and Wells Fargo had NO business authorizing a payment from an account that did not have the funds- I was transferred many times only to hear sorries and apologies. They even transferred me to a XXXX XXXX one time!!!! 

I can not do anything with transaction - Wells Fargo kept transferring me and I kept having to call back - I requested numerous times to be transferred to a manager or supervisor - the last time waited on hold entirely too long. I have been banking with them for YEARS and this is ridiculous. ANY other time a transaction is DECLINED for NO funds to cover in account - EVEN if I have it in my savings- THIS was not a normal transaction for me so usually a Fraud alert will pop up - NO ONE CAN explain where the ball was dropped and told me all they can do is apologize and I had to WAIT! on top of that one person had the nerve to YELL at me and act like I had NO reason to be upset and did not deserve a fast resolution to this. As if me banking with them for YEARS meant NOTHING. I am NOT a new consumer!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian couldnt verify a late payment on my XXXX XXXX XXXX account. I have attached a letter from XXXX stating the late payment is wrong and should be removed from my account with them but Experian hasnt complied.
Product: Checking or savings account

I had fraud on my account at Citibank on this past Friday XXXX XX/XX/2022. I had a fraud alert placed on that checking account and opened a new checking account. This would allow Citibank to move funds from my old account to new bank account. I have called there today for 1 hour to get my monthly XXXX deposit and other pay transferred to my account and they hung the phone up on me. I havent been able to get any funds for 5 days now. I have been banking with Citibank for 16 years and not understanding why they are causing this big problem and have verified that this is me calling. It is only the XXXX representatives that are causing all of these problems every time I call this bank. 

I dont know if this is race related, but this is unacceptable. 

I need them to transfer my money to my new account so I can pay my bills and buy groceries.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made XXXX transfer of {$600.00} from our checking account with SunTrust bank ( truist ) for the purchase of XXXX XXXX puppy. 
I can give much longer explanation, but the short version is : company is a fraud ( still have online presence ) and the whole " puppy '' is a scam. There now few XXXX warnings about that company but I guess no legal actions were taken by anybody. 
Web site name is : XXXX They offered XXXX electronic transfer as a way to pay for the puppy and even shared their email, name and telephone numbers in order to receive our funds. 
As soon as I sent money, they completely disappeared and no more communication can be established. 
When we immediately raised concern with SunTrust bank fraud representative they took all our information and created the Case and promised to investigate within 10 days and contact us with the result of their investigation. It took them less than 7 days to send us letter saying that our funds can not be returned.