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

I am sending this complaint only to Capital One bank : I have recently submitted a claim in regards to two transactions that were done through XXXX without my knowledge or consent. XXXX were unable to help in my issue of these unauthorized transactions. I am now submitting this claim towards the issuer of my debit card which is Capital One bank. I am hoping to solve this problem of mine and be able to find the resolution I need. Both transactions occurred on the days of XX/XX/XXXX and XX/XX/XXXX back to back. One payment was {$38.00} and the other one is of {$36.00}. I have tried many times to take action against these transactions with XXXX themselves but have been denied assistance. I am not trying to reach Capital One through this complaint after also being denied assistance.
Product: Checking or savings account

I have been the holder of an XXXX XXXX XXXX business checking account at Chase Bank since XXXX. This account is the primary account for my business operations and is used by my clients to make payments for services rendered. 

Last XXXX, I received a notification from the bank informing me of the closure of my account without specific justification. This decision represents a considerable logistical challenge, since my clients have used these bank details on a recurring basis to make their payments. According to the communication received, the account will no longer be operational in XXXX.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with Citi on XXXX XXXX. An adverse action was made against me by this corporation, pursuant to 15 USC 1681m. 15 USC 1681m only mentions a denial of employement not credit. I was violated as a consumer because I am the original person/organization who extends the credit according to,15 USC 1602e and 15 USC 1602g. 

Also Citi and XXXX are in violation of the Gramm-Leach-Bliley Act. I was never given a privacy notice or a opt-out notice from either corporation. I never gave either company permisssion to disclose my non-public personal information ( NPI ).
Product: Credit reporting or other personal consumer reports

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. XXXX- {$3600.00} XXXX. XXXX- {$3500.00} XXXX. XXXX- {$2200.00} XXXX. XXXX- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by XXXX. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. Equifax removed the fraudulent accounts. However, XXXX and XXXX have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with XXXX. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - 5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX Balance. {$1000.00} XXXX XXXX XXXX Balance. {$1000.00} XXXX XXXX XXXX Balance. {$1300.00} XXXX / XXXX Balance. {$1000.00} XXXXXXXX XXXX  Balance. {$1900.00} XXXX XXXX XXXX  Balance. {$560.00} XXXX XXXX Balance. {$2500.00} XXXX XXXX Balance. {$1600.00} XXXX XXXX Balance. {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has on XX/XX/2019 credit report a phone number showing as XXXX in which is not no number that belongs to me. Remove the phone number or provide proof by what ever company this number is coming from.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from wells fargo asking if i had made a charge to XXXX respond YES, NO, STOP to opt out. the normal text. i responded no because i hadnt made any purchases recently. 
I then was called by XXXX ( i doinke checked that it was the same # on the back of my card ) and told XXXX had tried to been wired out of my account. it was all very confusing, and id never wired money before or had this happen before. 

the man asked me if i knew XXXX something, the alleged person who made the wire. i said no and he told me he was going to help me undo the wire. he then proceeded to take me through transferring XXXX out of my account into his or someone elses. never XXXX wired money before i still thought this was super weird so i stopped him and told him it wasnt right- he assured me he was real wells fargo and to check the # on my debit card and that the money would come back but the bank had to see it from me first? 

long story short he wasnt wells fargo and i loat XXXX which is almost my entire life savings. im XXXX and chronically ill- just wrapped up my XXXX XXXX in 10 years and use all my momey for medical bills. i will not survive without this money back and my bank is made minimal effort to retrieve it and said there was nothign they could do.
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 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : 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 XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Debt collection

I opened a equity line of credit in XXXX but default on it in XXXX. In XXXX the company sent a written settlement agreement which we both agreed to and payments started in XXXX, XXXX and was to finish on XXXX XXXX, XXXX. Because of some missed payments debt was extended until XXXX XXXX, XXXX. Which was paid in full. I called the creditor, sent letters to them and even got the three credit bureaus dispute departments involved in this issue to no avail. Even set all documents ( written agreement, bank statements with payments being deducted from my acct, proof of increased payments to pay off etc ... ) again to no avail. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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. XXXX XXXX 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

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I DID NOT BENEFIT FROM OR APPROVE OF. Two of them are collections accounts from a hospital that stated my health insurance would cover them, yet they sold my information fraudulently to a debt collector and this is affecting my credit. I was a victim of both the XXXXXXXX XXXX XXXXXXXX XXXX BREACHES, which has also affected me, causing others to use and sell my personal information as they please. I need these fraudulent accounts removed permanently and expeditiously!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations
Product: Checking or savings account

On XXXX XXXX someone open a TD Bank checking and saving account online using my identity. I contacted TD BANK and was told that the accounts would be closed and reported as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : 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 Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 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  Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I have no knowledge of this loan. The name of the originator of the loan is named XXXX which is no longer in business, and I was unable to contact them. 

I never had a loan with a company named XXXX
Product: Bank account or service

Charged a {$12.00} processing fee for my Citibank basic checking account even though I had a combined {$1700.00} total between my checking and savings account ( the requirement is only {$1500.00} ). It turns out I was charged {$12.00} fee for a checking account I did not want, did not ask for and did not know I even had ( as it did not show up on my accounts screen for my online banking ). Luckily I was inquiring about how to transfer funds into my checking account when I inquired about the {$12.00} fee. ( Ironically, I was transferring funds from a XXXX XXXX account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than seven years.15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ Credit Reporting Agency Name ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ EXPERIAN ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/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 an account without my written instructions
Product: Consumer Loan

Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus. 
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?
Product: Debt collection

This is a debt that was from my late husband. The credit card was in his name only. After he passed away, I closed his account. The credit card company started calling asking me, relentlessly, asking when I would be able to pay. I explained that this was my husband 's card only, he's deceased and I do not have any money to pay for a debt that wasn't from me. They refuse to resolve the issue. Instead they sent a letter in my name saying they were giving me a {$100.00} to my account due to an error on their part. They changed names on the account. How is this action legal?
Product: Checking or savings account

On XX/XX/XXXX a fraudulent charge of {$22.00} was posted to my account through a debit card that was previously replaced and should have been deactivated. This charge was after I reported the same transaction for the same amount of money, as fraud the previous month and requested a new card. 

Credit karma refused to remove the charge both times and can not answer as to why a deactivated card was able to be charged. 

In, fact credit karma denied every single charge dispute Ive ever made.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my old history has been deleted from my equifax report. This has caused my credit score and history to go down drastically and when I call Equifax they have transferred me to different people all saying the same thing that there is no history of anything being deleted.I have proof from my previous monthly report and have offered to submit to them but they say nothing they can do so I need to contact my credit card company which i have and they assured me that everything is being reported correctly by them. My history consists of all my good accounts from XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened XXXX, XXXX opened XXXX, XXXX opened XXXX, XXXX XXXX XXXXs opened XXXX, XXXX opened XXXX. I have also attached proof of the accounts being on my report
Product: Checking or savings account

I transferred funds from my savings to checking before XXXX. This morning, I get up and see an overdraft fee and was told by customer service that its because I have to transfer before eastern time. In other words, their time. I was told previously to transfer before XXXX XXXX  now they changed it up. That is something new. I have banked with them for years. They did not reverse the fee. They wanted to use one of my {$37.00} that I am entitled to when its their fault.