23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my XXXX credit report. I did not authorize this inquiry nor have I applied for any product or service with Capital One Bank USA. I do not know how or why my personal information might have been used to release this report. I called Capital One Bank USA to investigate the inquiry and determine if there were any accounts created under my name. It appeared that there were no accounts created with my birthday, social security number and name. I do not believe a thorough check was conducted and I would like to have my personal consumer information protected. I am submitting XXXX screenshots of interactions withXXXX regarding the unauthorized credit inquiry.
Product: Credit reporting

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security freeze, from SageStream , LLC No response from initial letter, certified-delivered ... XX/XX/2021, ( with proof of identity ) follow up request via computer ... ... ... ... ... ... ... ... ... ... ... XX/XX/2021 Unable to contact company, other than TWICE submitting via telephone request security freeze ... XX/XX/2021 simply need security freeze, and Confirmation of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

CKS Financial # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.
Product: Credit reporting or other personal consumer reports

Per FCRA 15 U.S.C 1681i ( a ), all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my lega team to file complaints with the FTC, CFPB, Attorney General of ( XXXX  ) along with any further legal action we deem necessary including but not limited to civil and punitive damages. 
Also these companies are reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Product: Checking or savings account

I have deposited a third party check to my Capital one 360 bank Account and it was correctly endorsed on the back of the check by the third party and signed to my name as thats the legal requirements. After submitting the check, I received an email stating that the check is being reviewed and once is accepted by the bank I can destroy the check. Few hours later, I have received a email stating that the check is reviewed and accepted by Capital one and I can go ahead and destroy the check and also stated the place a hold on the check for 5 days to make sure the funds will be cleared. After a couple days, the have restricted account and when I reached out, they requested that they need to verify by the third party and I have provided them qith their phone number but they said they are not able to verify the phone number belongs to them and I told them there is nothing else I can do and if they can just close the account and transferred my funds to an external account and they refused to do that as well. I am not sure under what laws they can simply steal people 's money so easily when people need their hard working money and they simply can do whatever they want with people 's money only because of their own mistake and lack of ability to properly proccess check deposits and make the customer responsible for that. They have accepted the check the first place after reviewing it and notify me that I can go ahead and destroy the check. Even in the email they have sent which I attached to this complaint in regards to the hold on the check, they are stating " After thoroughly reviewing the deposit ( s ) and your account, we've determined there's a risk that the deposit will return. To protect you, we've delayed the availability of all or part of {$2500.00} until XX/XX/2022. You don't need to take any action. '' If there was anything wrong with the check or they required any verification, they supposed to state it right here after " throughly reviewing the check, not after depositing it and letting me me know to destroy the check and assure me after a few days I will receive the funds and no action is required, then after a few days place a restriction on the account, when I dont even have the check anymore and not being able to deposit it elsewhere because capital one already proccessed the check and got the funds and simply refuses to give me my money when I need the funds urgently and it affecting my livelihood.
Product: Money transfers

We have a timeshare at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. We were contacted by XXXX XXXX XXXX and XXXX XXXX XXXX saying that they have someone interested in buying shares in order to have voting privileges at the resort. We participated for a while, including sending a wire transfer and providing our drivers license copies to them. Then, we began researching the companies and became skeptical. They placed many phone calls to us, but once we asked for all communication to be via email, reimbursement for our expenses, and to void on the deal, their communication has ceased. We have not received a refund, after them saying it would take 25-30 days.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Student loan

I got a student loan for school because they told m they had evening classes for when I went back to work. It is a FFELP loan and the person I spoke to told me I can't be eligible for the President 's payment pause because it's NOT federal which it is. I can not get my transcripts from the school because I haven't paid off the loan. This is from 2007 and so far have paid over XXXX to this school for 3 months of school because they had NO night classes. I just want someone to help
Product: Credit reporting or other personal consumer reports

On my experian credit report My social security number is XXXX and on my experian credit report my complaint is that the negative account wells fargo credit card supposed to be removed from my experian credit report I had a federal trade commission report on file
Product: Credit card or prepaid card

On XX/XX/XXXX, someone illegally obtained the card of an authorized user on my account. They then spent roughly {$1200.00} at XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX, I noticed the fraud and immediately called Chase for protection services. During this call, they asked whether I had the cards. Either through misunderstanding or - more likely due to my XXXX - mishearing the question, I responded that I did. Subsequently, they denied the claim of fraud, and insist that I am responsible for the fraudulent charges. I have appealed the dispute multiple times with Chase, attempted to correct the record in terms of the erroneous information on the first phone call, and have even provided police reports related to the theft of the card from the authorized user, knowing full well that filing a false police report is a felony. Despite the evidence provided, Chase 's response is that there is insufficient evidence to determine the fraudulent charges were, in fact, fraudulent. Despite insistence that I am protected from fraud, Chase refuses to acknowledge that a card was taken and used for invalid purchases. When pressed, they insist the response to a single question on the initial call - which, I might point out, took place over the phone despite the fact that I am XXXX XXXX impaired - is the only factor leading to this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.
Product: Credit card or prepaid card

I am a 25 year. customer of Bank of America. I was sent an advertisement by B of A stating I would get a bonus of {$200.00} if I opened a new credit card. and spent {$1000.00} within 90 days. The account was opened on XX/XX/XXXX. I received the credit card on XX/XX/XXXX. I called " XXXX '' employee number " XXXX '' on customer service number. After 40 minutes waiting, I asked him " since I received the credit card on XX/XX/XXXX ( 35 days " after '' it was opened by bank ), does that extend the " 90 days in which to spend {$1000.00}, and still get the bonus ''? XXXX checked with supervisor and told me " NO, '' unfortunately, I must spend the {$1000.00} within 90 days starting XX/XX/XXXX, NOT 90 days from receiving the card on XX/XX/XXXX. I consider that false and fraud advertising, since the bank sent the card 35 days after opening, which decreased my ability to spend {$1000.00} within 90 days, to force me to spend {$1000.00} within 55 days. The is a scam on the bank 's part and false adverstising making me, the consumer, believe I could use the card from XX/XX/XXXX to earn the {$200.00} bonus, when in fact I could not " begin '' to use the card until I received it on XX/XX/XXXX. Thank you, XXXX XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

Transunion handled my dispute with a collection claim from XXXX with XXXX XXXX XXXX. 

I have paid the original creditors, XXXX XXXX XXXX, on XX/XX/year> in full for {$1500.00} as their XXXX system was set up, but failed to withdraw on the first of the month. I received a collection from XXXX XXXX XXXX in XX/XX/year>. I disputed the claim successfully with XXXX. 

Transunion recently handled my dispute and claims that the account is accurate. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both unresponsive. 

The collection claim is false. Please see attached for my letter response to XXXX XXXX XXXX, and my payment confirmation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that I have been charged. Although I had sufficient funds at the time of authorization for several transactions, I was still assessed fees due to delays in the posting of charges and credits.

This issue appears to align with the recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Navy Federal 's similar practices, where transactions were processed with insufficient funds despite the availability of funds at the time of authorization.

I believe these practices are unfair and request a thorough investigation into the transactions on my account.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I had booked XXXX XXXX tickets for my family members ( XXXX XXXX to Washington XXXX ) using my Citibank credit card on XX/XX/XXXX. 
The Actual travel was on XX/XX/XXXX, Due to travel restrictions and lockdown in XXXX, I had cancelled my tickets on XX/XX/XXXX. 
As per XXXX customer service updates I should get refund in 90 days from XX/XX/XXXX. Since 90 days was long time for me, called Citibank and opened Dispute transaction and XXXX  responded back to dispute saying, we are working on Refund. Hence we do not accept charge back, so please ask customer to work with us directly to get Refund.

I thought XXXX  is really doing something, so I had withdrawn my dispute and started calling XXXX Customer care. 
I had called Airlines more than 30 times so far and every time they are just asking me to wait for 7 -14 days and pushing as far as they can. 
As of today XX/XX/XXXX, I have no updates from Airlines and refund not processed. 
It's been 5 months now, I don't know how long I have to wait. Citibank is saying they can't help on withdrawn dispute.
Product: Mortgage

I had a XXXX year HEOLOC. with Wells Fargo Bank ( WFB ) The draw period, I thought was to end XX/XX/XXXX. WFB called XX/XX/XXXX and deceptively asked me to accept a fixed rate of 6.35 %. Believing I had to refinance, I unknowingly agreed to this offered interest rate. Unbeknownst to me, my HELOC had a role over clause. Meaning, that the contract had a conversion clause stating that at the end of the Draw Period the Loan would roll over to a Repayment period. The fixed interest at the conversion date would be based upon the Prime Rate ( 3.25 % ) plus 1.85 % margin. Being Naive and trusting of WFB I accepted with the caveat that it was to convert XX/XX/XXXX ; or the date of the loan conversion according to the loan documents. 

I signed a note to accept the interest rate and not to draw any more money from the HELOC until the conversion date XX/XX/XXXX.. That signed note only says I agree not to draw any more funds through the conversion date ( XX/XX/XXXX ) It may have said I agreed to the offered interest rate, but I 'm not sure. That signed note says nothing about early conversion. I stated and their representative confirmed that I would only accept the conversion if it started XX/XX/XXXX, the conversion date. I have asked Wells Fargo for a copy of this note and other claims they have made, but they have not provided me anything. I did made it clear that I accepted this only if the conversion date was to start at the end of the draw date XX/XX/XXXX. 

Not knowing that WFB had prematurely converted the loan and expected payments of {$480.00}, I made payments XX/XX/XXXX through XX/XX/XXXX based on the Interest only payment clause of the HELOC agreement, or approximately XXXXmonth. 

I believe Wells Fargo knowingly used deceptive, unfair, and misleading information, as well as knowingly omission of relevant information to trick me into agreeing to a higher fixed interest rate. They out right deceived me when WFB prematurely made the conversion XX/XX/XXXX. I believe WFB knowingly mislead me to advance its interests by not providing me with adequate and truthful answers to questions I posed to the WFB representative with regards to interest rates options, and conversion dates. Wells Fargo knowingly deceived me by not disclosing what my interest rate would likely have been had I waited until the conversion date. WFB used unfair business practice by converting my loan prematurely. 

XXXX Issues1 ) WFB converted the loan XX/XX/XXXX, or XXXX months before the agreed upon conversion date. This has cost me over {$1200.00} in interest payments that should have been partially applied to the principal. In addition I have accrued over {$400.00} in late fees as a result. 
2 ) WFB used false and misleading information to get me to agree to a interest rate higher than I otherwise would have had, if WFB had not mislead me on the terms of my HELOC loan. 
There is an issue about being over my limit. The terms of the contract says that WFB could at any time extend my credit limit. XX/XX/XXXX they did and they sent a letter confirming that. However I can not find that letter. I agree with WFB that I was over my limit.
Product: Checking or savings account

On XX/XX/XXXX someone stole my debit card information and used it to buy several day passes to a fair in XXXX XXXX Massachusetts. I was on a flight from AZ to WA at the time the transaction happened without access to the internet so it could not have been me. Also, why would I buy day passes to a fair on the other side of the country? It makes no sense. I filed a claim with my bank, canceled my compromised card and change my account information to prevent this from happening again. Chime ( the bank I am using ) gave me a credit for the amount that was stole from me for {$200.00} three days later on XX/XX/XXXX. On XX/XX/XXXX I was informed that Chime had done an investigation on the claim and found " no error occurred '' so they denied my claim. When I called them to ask why they denied my claim and what I can do to appeal, I was told no one could tell me the reason they denied my claim. They said they can send me the " evidence '' they used to come to this conclusion in 10 days. After they have already removed the money from my account. When I asked to speak with the investigation team I was told I could not do that. No one reached out to me during the investigation process either. I am the epicenter of the entire issue and no one from my bank has spoken to me. I was told I could appeal the claim and provide evidence I was not the person who made this purchase. I sent them screenshots of my plane ticket that clearly show the flight times proving I was in the air at the time the card was used. I also had to contact the merchant because they did not. I got a copy of the transaction and sent that to them as well where you can clearly see the phone number and email address are not mine nor have they ever been registered to me. I also filed a complain with the cyber crimes division of the FBI for the crime committed against me and sent a copy of that to them as well. They denied my claim three times yesterday even after being provided with this evidence and they still have not given me a reason as to why. They will be removing this credit of {$200.00} from my account on XX/XX/XXXX despite still not giving me a reason why. The worst part is no one at the company is even willing to speak or discuss this with me. All they tell you is " I don't work in the investigations department so I don't know. '' But they don't let you talk to the investigation department or ANYONE at the company that could help explain why this is happening. I am not the first person this has happened to either. There are hundreds if not thousands of these exact stories online of Chime denying claims with clear and precise evidence to prove someone else used their account.