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

I don't even know where to begin with how upsetting this current situation. Not only have they been effect in dropping my credit score, they have also proven that even after 5 years of loyalty and never missing a payment they could care less. For those looking to join Capital One, don't waste your time communicating with the lower level staff. I have recored conversations of over 6 different employees who do not even know how to calculate the bill cycle date. So if you need any clarity regarding you account good luck, because they managers do not no either. They only reason we were able to determine the correct way to calculate the new dates, was by looking at my past credit statement. Im sure your thinking what do does that do me right. But wait it gets better. If your looking for transparency your in the wrong place. With my knew experience I get this over whelming feeling that they are intentionally trying to target you. I prove that point my simply pointing out their app.The only thing the app is good for mining your data and providing useless information. Case and point why provide only the statement date that's past an don't the current one?! They only provide information regarding your due dates and if you are familiar with trying to improve your financial worthiness you would know that your STATEMENT-DATEs are the most important dates to look out for. So with that being said, Capital One is only trying to manipulate a certain level of economy status. Why else change formatting of statement dates from concert to floating dates, and leaving the method of communicating these new terms through a 5 sentence paragraph that can easily be misinterpreted based on your perception of how and when to count from the due date.!!! These people are con artist. If I leave you with one thing I would say READ YOUR STATEMENTS AND IF YOU SEE SOMETHING FUNNY. CALL ASK FOR A MANAGER, RECORD THE CONVERSATION AND GET READY FOR THEM TOO DO NOTHING. They can mislead you and leave you with a sorry. If you miss anything on them they can charge XXXX $ and report you to the credit. Everyone is screaming about taxes in politics but no one is taking about regulating and saving us from these corrupt cooperate giants. I DARE ALL OF YOU IF YOU HAVE A CAPITAL ONE CARD TO CALL THEIR SERVICE RECORD YOUR CONVERSATION AND POST THE AMOUNT OF TEIR EMPLOYEES THAT DO NOT EVEN KNOW HOW TO CALCULATE OR ARTICULATE HOW TO DETERMINE THE CYCLE END DATE. I have 6. Lets see how high we can get!!!!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXXXX XXXX XXXX XXXX, XXXX HAS 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 INSTRUCTIONS
Product: Checking or savings account

On XX/XX/2024. My debit card was stolen without my knowledge at a bar. It was then used to charge to an unknown company for {$1400.00}. It was then used again, charging me {$110.00}. To a company called XXXX XXXX XXXX. The person then charged my card to a seperate company soon after. Company named XXXX XXXX XXXX for XXXX amount of {$680.00}. This was not to my knowledge until I checked my account and DID NOT AUTHORIZE the transactions Wells Fargo messaged me about. I filed a claim about it immediately after. The claim had ended on XX/XX/2024 determining that an error did not occur and have sent me a letter in the mail with additional information about their findings. Now I am being overdrafted with absolutely no money in my account.
Product: Credit reporting or other personal consumer reports

Ive recently pulled my credit report and found incorrect and inaccurate inquiry reporting on my credit report profile Ive called numerous of times and was giving confirmation that they will be with removed and they are still reporting on my credit report according to the FCRA the information provided should be 100 % accurate 100 % verifiable and reported in a timely fashion I am aware you have 30 days to complete this investigation your failure to comply with the federal regulations is a serious violation of the fair credit reporting act and could possibly result in an investigation by the federal trade commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ; XXXX  XXXX XXXX All of these inquiries are in accurate and are not tied to anything that I have gave consent to the fair credit reporting act states that only permissible purpose for pulling someones credit is insurance a court order or employment form
Product: Credit reporting or other personal consumer reports

I recent looked at my credit profile and noticed there were a number of inquiries on my credit report that I did not give my consent for. Those inquiries consist of the following 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, credit repair services, or other personal consumer reports

I have asked repeatedly over the course of 13 months for this to get resolved an Experian continues to drag their feet and play games. This is ridiculous. They sent me an updated report and this report too DOES NOT have my 100 word statement that I have asked for month to be inputted. 

Experian needs to stop reporting inaccurate information in my file reporting two key factors affecting my score which is irroneous information. I DO NOT nor have I EVER HAD A Consumer Finance Company and my balances are all at zero or within a couple XXXX  dollars HOW can the proportion of loan balances to loan amounts be to high with the balance is XXXX ( XXXX )? Experian can't seem to explain it yet they keep reporting it. 

I've asked numerous times with no resolve. 

I have sent countless letters, some even certified requested an explanation and removal of this erroneous information they continue to report. Experian wants consumers in debt and when you pay off everything they want to punish you.
Product: Credit card

Hello, Citi 's response to my complaint contains blatantly incorrect information. Citi responded saying that they were unable to reach me by phone several times to verify the requested balance transfer. Per my initial complaint with the CFPB, I detailed each incidence in which I spoke to Citi 's customer service agents and the successful verifications. How exactly does that constitute being unable to reach me to verify my identity, when I was the one that had to call into Citi multiple times after verifying my account on several instances? In addition, I was a pre-existing Citi consumer credit customer of many years. Why would Citi need to ( successfully ) verify my identity on several occasions, exhausting the connected methods that had been on my account for years? 

Regarding the credit inquiry dated XX/XX/year>, that wasnt even the day I applied for the Citi XXXX XXXX XXXX. I applied for the card on XX/XX/year>, so why would there even be a hard inquiry on XX/XX/year>? This needs to be addressed, as I did not authorize an inquiry on XX/XX/year>. 

Based on the response I received to my CFPB complaint, it appears there wasnt an adequate investigation into the various calls and fraud verifications that I detailed in the complaint. 

Considering all of this, and the fact that I was unable to even use the card for its advertised purpose, I am requesting that the account is removed from my credit report.
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 : US BKPT CT XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Transunion, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXX XXXX  on XX/XX/year>, with account number XXXX These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer FICO credit report from XXXX that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Transunion block this fraudulent information within 4 business days of receiving this complaint. ''
Product: Debt collection

i recived a bill from collection consultant California for the amount of XXXX $ which does not belong to me i have tryed multiple times to remove this from my credit report because its affecting me and i havent been able to.. 
i also filed a police report for identity theft i hope this will help resolve my problem.
Product: Debt collection

Dear Consumer Financial Protection Bureau, Your initial questions on the questionnaire, doesn't apply in my case. Let me start by saying that my case was in XXXX, XXXX XXXX, New York court system. I was served a judgment against my part-time job from - XXXX XXXX XXXX, DBA in New York for the balance of {$8200.00} plus interest and I am XXXX years old. The marshal in this case is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Badge No. XXXX. 

My story started with " Beneficial ' company in XX/XX/XXXX - I took out a small loan and paid them back immediately, then took out another loan, paid monies on that loan and then I lost my job, moved out of XXXX XXXX, XXXX XXXX where I took out the loans - moved to my daughter 's home in XXXX, XXXX XXXX and forward a change of addresses to everyone at the time. Since that period of time, XXXX closed their doors for business and apparently transfer their loans/debts over to 1 or  maybe most broker houses ( not sure ). 

Years after this - a company started calling me - saying, that I owed them money - which I didn't know at the time that they were debt brokers and was calling about an old debt from XXXX - they were given me a new company/ name information that I did not know, I thought that they were a fake company of some kind ) and harassed me by phone at home and my on job - at that time I was working for XXXX XXXX XXXX XXXX as a XXXX in a classroom - they were harassing so badly. After that they started sending " what look like fake court papers '' no signatures here and there, it just look like another form of harassment. So I annoyed these letters and then they contacted my land lady at the time and told her the story - this was in XX/XX/XXXX I believe. 

I would love to send all of the court information that I have about this case, to see if you can help me with the judgment still against my part-time paycheck.. Can you help me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX I work for XXXX XXXX XXXX XXXX, my position - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thanks so much XXXX
Product: Checking or savings account

I deposited a check that was for over XXXX dollars Saturday of last week and they told me it would be deposited in my account by Tuesday. then, when I went to the bank Tuesday they said that the deposit was delayed till Wednesday of next week. They received the money from the bank who issued the check on Monday of this week which was the Monday following the deposit I made. 
There has been no reason justifying why they withheld the deposit even after I called the 800 number to find out why they were doing this. 
I would have never deposited it with them if I had known they were going to do this. 
I need this money since I have someone in the hospital and have a lot of extra expense with electricity due to the heat waves we've had. 
So, this is really a disaster they've caused.The location of this bank of America I had so much trouble with is XXXX XXXX, XXXX, Tx. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX {$460.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$880.00} FCRA Violation : other loan not mine XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}
Product: Credit card

Between XXXX and XX/XX/year> I have applied three times for a XXXX card that is provided via Synchrony Bank XXXX The first application no reason was given. The second they claimed, eventually, they could not verify my identity even though they had my full name, XXXX, XXXX, full address I have lived at for over 18 years, my income, etc. More information than required to open any bank account anywhere. I even saw their credit checks on my monitoring account. The third and last time, XX/XX/year>, I went into the store with my drivers license, ssn card, birth certificate, XXXX  XXXX XXXX, CCW card, printed bills such as water and electric for my home, etc. It was still rejected with no reason. My credit rating is well in excess of XXXX. I have XXXX debt other than my rotating CC signature card I use for all purchases and pay off every month. I have never missed a bill. I have no complaints on my record. I qualify security back ground checks. Etc. Etc. I only wanted this card for a large purchase to get 20 % off initially and then the 5 % ongoing versus my 1 % on my signature card. I have been using the Lowes near me for over 18 years and spent XXXX of dollars there. Their association with this " bank '' has forced me to cease my interactions with them and will be going elsewhere as much as that pains me. I will also be avoiding any business that makes use of Synchrony because I find them purely untrustworthy.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered instances of late payments reported on my account with XXXX, Account Number XXXX, which I believe are inaccurate. Consumer Reporting Agencies play a critical role in maintaining the accuracy of reported information, as mandated by the Fair Credit Reporting Act ( FCRA ). It is imperative that my credit history is accurately reflected, as I have consistently upheld my financial obligations. 

I have never missed a payment on this account, this account was paid in full and closed at my request, as reflected in the comments section of the report. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of this payment. If unable to furnish such proof, I demand that the inaccurate late payment entry be promptly removed from my credit file.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue.

Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation.

Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Credit card or prepaid card

Chase Freedom Credit Card Charged cash advance fee for a yoga class. 
Incorrectly assigns XXXX transactions a cash advance status Charged over {$100.00} in fees. 

Notification setting of card notification setting intentionally misleading. 
Failed to notify of {$10.00} fees on XXXX occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT KARMA, I CAN NOT ACCESS OR DELETE MY ACCOUNT. 
THEY HAVE NO PHONE # TO TALK TO ANYONE. 
I HAVE SUBMITTED A FORM WITH MY PROBLEM AT THEIR SITE. 
I SAW THAT PEOPLE HAVE NOT BEEN GETTING A REPLY FROM CK WHEN SUBMITTING EMAILS TO THEM.
Product: Debt collection

I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following :  1.  The original Application or contract ; 2. Any and all statements allegedly related to this debt  ; 3 . Any and all signed receipts ;  4.  Any and all canceled checks ; 5. Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I have wrote several letters requesting Santander requesting information and never received a response or any documents. Santander XXXX
Product: Debt collection

XXXX called on XX/XX/2024 at XXXX, asking for XXXX XXXX XXXX me ). Spoofed as my current bank asking for last XXXX SSN. They had my information. They have been calling my house phone nonstop asking for me. Picked up today, spoofed as my bank and afraid they stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX ( 30 day reporting ) I wrote the Wells Fargo on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my Wells Fargo accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from Wells Fargo to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe Wells Fargo has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.