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

In XX/XX/2021, someone use my old address from about 10 years ago to open a bank account with Chase Bank. Chase called me to verify some information and I alerted them that I had not opened an account with their bank. The bank advised me that I had to file a report to get the account closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Please Remove Late payment account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX In accordance with the fair credit Reporting XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for XXXX and purpose. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used the app called Captial One Shopping. Its a cashback site deigned to allow users to shop through them on various online retailers and receive cashback for shopping through their portal. I never used the app or site before then. i notice they had n offer of 100 % cashback if you purchased XXXX XXXX service their cashback service. I paid XXXX for the service for 2 years. The purchase was pending for approval to be paid out to me and within 2 weeks I could no longer access the Captial One Shopping website to check on my status. I sent them an email regarding my problem accessing the website and they responded that they terminated my account without any explanation because they have the right to do so. I did nothing wrong via their website terms and now I'm out of my money for a product I would not have purchased if they didn't advertise the cashback discount. I feel this fraud and misleading they should at least provide a reason they terminated my account. This the email they sent when I inquired about the problem .... 

Thanks for contacting Capital One Shopping!

We regret to inform you that your Capital One Shopping account has been terminated. We reserve the right to terminate your Capital One Shopping account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One Shopping on your specific browser type. 

We appreciate your understanding.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : I have been a loyal Bank of America customer for over 11 years and have a {$21000.00} credit card account. In XX/XX/year>, a system glitch caused my autopay to be removed, resulting in a {$23.00} missed payment. The account was reported as delinquent in XXXX, which led to a drop in my credit score from XXXX to XXXX. Despite multiple attempts to resolve the issue with Bank of America, including a confirmation from their representative that it was a system error, the issue remains unresolved. I am seeking assistance to correct the inaccurate reporting and restore my credit standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
Product: Debt collection

I joined XXXX in XXXX, and when I joined the membership, I was told that I could pause my membership at any point in time, because I had plans to travel frequently in the upcoming months. When I went back to pause my membership in XXXX, the person I talked to said that it was impossible to pause my membership and that I had to pay regardless of if I was using the gym or not during that time. When I told that person that the person that onboarded me into the membership told me that I could pause my membership and that it was part of my contract that I signed, he told me that that person that onboarded me no longer worked there and that I had to pay. I told them to cancel my membership and he said okay, we can do that. I asked if there was anything else I needed to do and he said no, and that it would be taken care of. I have been getting automated calls that I ignored due to scam likely numbers, and I just got a call from a debt collector saying that if I didn't pay XXXX XXXX XXXX they would send my information to a credit bureau and it would hurt my credit. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following Companies listed below, has violated my rights. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX  Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX 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. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16891i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Prepaid card

Transaction occurred that was an error on XX/XX/year> at XXXX. XXXX was fixed at XXXX. Both the correct and error finalized on account. Neither the merchant nor cash app ( bank ) customer service will resolve this. Cash app has denied separate disputes on either of the transactions. Merchant is unresponsive via phone and in person visit was told they would work on it. Merchant is XXXX XXXX XXXX XXXX and the disputed amount is {$360.00}.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed several inaccuracies. Here is the referenced account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Cash App has taken {$990.00}. from me. On XX/XX/XXXX I reported the unauthorized transactions and they closed my ticket. I reached out again today as another {$790.00} WAS ILLEGALLY WITHDRAWN FROM MY ACCOUNT AGAIN. They do absolutely nothing to help, they do not protect their customers, they are aware of the issue and neglected to help now I am missing another {$790.00}. 

On XX/XX/26 at XXXX I reached out to their support team in the app and described the issue. I haven't even gotten a response since. I want to sue them for the {$990.00} they illegally cashed out from my account.
Product: Bank account or service

I called Wells Fargo main number told them I was depositing my federal tax refund check directly from the US Treasury into he amount of XXXX would there be a hold. they took my account came back said no we do not hold federal refund checks from the Treasury. so I wrote out checks and I am to purchase a car. I go XX/XX/XXXX to deposit and on a told it 's held till XX/XX/XXXX because I have had overdrafts. Ok so have overdrafts now I will have more I wrote checks out and they are holding my money and will not even pay those checks they will be returned NSF really!!!
Product: Mortgage

I had XXXX and the doctor was not sure at first how long I 'd been out of work. So I thought that I should let the bank know the situation as far as IF I may get a month behind in my mortgage. Since 2003 I have never been late or missed a mortgage payment and at that time was current. The representative suggest that I consider a modification and that I should wait and be late a month to start this process. I said NO I do n't want to be late. So now we start the process which took from XXXX to XXXX. They took {$100.00} off my mortgage. Put me on trial to see if I could make the lower payments which I did. Of course the lower payment I was paying was not what my new mortgage was to be. In the process they got the {$100.00} dollars back ( because of higher taxes and escrow short ) and my mortgage is more than it was at first. But the mean thing is that they put my mortgage account it a delinquent status and put it on my credit report. I think this is mean and unfair. I have written letters to all three credit report companies and they say it can be removed but I 'd need a letter from the bank. I have written several letters XXXX one to the CEO ) and made several in-person attempts and was also told it could be taken off. None\of this has worked and I rec 'd a letter from the bank telling me to stop writing because my compliant was frivolous and a waste of time and they were not going to remove it. It has really put my credit report in a nasty spot. I 'm not able to do anything with the being the first thing you see on my credit report. I do hope you can help get me some help with this. I was only trying to do the right thing and this is what I got.
Product: Credit card or prepaid card

Requesting mediation for funds being held ( {$270.00} ) in a closed Bank of America XXXX XXXX account ( payroll card provided by employer, XXXX XXXX XXXX ). Both parties, XXXX XXXX and XXXX, say that only the other can take action to resolve the problem. 

Was provided a Bank of America XXXX XXXX XXXX " debit '' ( payroll ) card through the mail. Activated it, but after deciding I wanted direct deposit ( within a few days ), called XXXX XXXX to close the account. Account closed with balance of {$0.00}, then enrolled in direct deposit with XXXX, to be paid into my personal XXXX XXXX account ( all later pay from XXXX has been paid without issue, except for the amount described in this complaint. ) XXXX XXXX then accepted a deposit from XXXX ( " XXXX XXXX XXXX XXXX '' ) for the amount of {$270.00} on XX/XX/2018 at XXXX into the closed account. 

XXXX XXXX would not allow me to transfer the funds out the closed account. They said 'XXXX   must issue you a new card. You must then activate this card/account, and transfer the funds into the new account, then you can transfer the funds to your bank. ' XXXX told me they do not issue new cards, that XXXX XXXX issues these cards. 

Called both parties several times and received same answer every time. 

One or both of these parties must take action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Mail Stop XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX ( Corporate ) XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX XXXX  transferred my debt to XXXX XXXX XXXX and immediately stopped accepting payments. 

XX/XX/XXXX, I paid XXXX XXXX  XXXX  and received a {$0.00} balance statement. 

As of XX/XX/XXXX, I have a XXXX XXXX  outstanding balance that is incorrect and needs to be removed from every credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit card

I am a, victim of the XXXX Data Breach and I am filing this FTC Identity Theft Affidavit to report and request removal and blocking of a fraudulent collections account from 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, appearing on my consumer XXXX credit report which I do not recognize which are the result of the XXXX XXXX XXXX. I demand the mentioned fraudulent items be blocked and removed from each of my consumer credit reports with in 4 days pursuant to FCRA 605B15 U.S.C 1681c-2 and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am listing XXXX fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Debt collection

The original debt was part of a court case in DC XXXX XXXX, XXXX XXXX, XXXX LTB XXXX. It resolved around landlords accusation of rent owed and tenants countersuit of discrimination based on XXXX orientation and disabity, plaintiff not providing a safe environment and other issues. The case was originally settled and I have in my possession a letter from XXXX XXXX XXXX, the original creditor, dated XX/XX/XXXX stating that rent was paid up to date. The case was then dismissed by the original creditor between XX/XX/XXXX and XX/XX/XXXX. There was no additional court filings by the original creditor and neither myself or my attorney 's have heard from the original creditor since. 

In XXXX of XXXX, I learned of a collection on my credit report from FAIR COLLECTIONS AND OUT. I had not received anything from them prior to this discovery. I filed a dispute with XXXX XXXX and apparently Fair Collections provided proof that the debt was accurate. If they in fact have documentation stating so, it is fraudulent. 

Again, the court case surrounding this debt was dismissed by XXXX XXXX XXXX and XXXX XXXX XXXX never contacted myself or my attorney 's after the dismissal. Any claim of debt owed to XXXX XXXX XXXX would require specific documentation mailed with a itemization of supposed debt, allowing myself to dispute any claim, per DC Landlord/Tenant Laws. 

The account at Fair Collections, opened XX/XX/XXXX is only approximately 30 days after the original court case was dismissed. This short time would not provide the time for any legal procedure for the claim of debt owed and response, if such a claim had actually been received. I have received nothing from the original creditor or from Fair Collections and Out regarding any supposed debt owed.
Product: Credit card

I had AutoPay set up on my account. But weeks before the payment due date, my account was credited, so that on the payment due date the account balance was {$0.00}. Barclay on the payment due date took a payment that was equal to the total statement balance at the last statement even thought the account at the time they took that payment had a {$0.00} balance. This resulted in my account having a credit balance in the amount of the payment they took of - {$37.00}. I called after I saw this activity on my account. I informed them they had no right to take a payment when the account had a zero balance and I wanted a refund issued. I was told it would take five days for the payment to be available to refund. I see the refund check was issued on XX/XX/year>. My point is they had no business taking any payment on an account that had a zero balance. I hope this practice is illegal. I have never had a financial institution do this before.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Product: Debt collection

Company has called me several times to attempt to collect a debt with a company I have not done business with ever. I have told them multiple times I never had an account with the company. Never lived at the address they claim they sent a letter to that address. 

I don't even have any information to challenge the account. They are telling me I have to work with the creditor to get this marked as fraud. That's not my responsibility for an account I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to experian and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX when I call experian they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that XXXX XXXX has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that XXXX XXXX is showing for XX/XX/XXXX. I have never been late paying my car loan with XXXX and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to XXXX for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by XXXX the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX. I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX  payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by XXXX on XX/XX/XXXX. XXXX did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for XXXX. They stated that because of all the payments that have come in, they need to remove the payment I made onXX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with XXXX. I received an overage payment from XXXX on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with XXXX and the paperwork attached is here to prove my case. This is only reporting on my Equifax credit report and it has cause my credit score for Equifax to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
Product: Credit card

On XX/XX/XXXX my entire purse was stolen, inside included my wallet with 7 credit cards, my phone and my XXXX XXXX XXXX 

I reached out to FNBO ( formally and who I signed up to have a credit card account with was XXXX XXXX XXXX. This card is now being ran by 'First National Bank of Omaha '. 
Had I KNOWN this bank would be implementing these policies, I would have gotten rid of the card when they changed over in XXXX. I never initially entered into any agreement with this Bank, XXXX got sold to this bank and they took over. I had my account for 3 year previous to this change WITHOUT ISSUE. Even when I had fraud activity previously, they immediately gave me credit until they completed their investigation. NOT THIS FNBO bank! on XXXX my info was stolen and attempted to be used for XXXX payment. I advised this bank of my card being stolen on the same date, XX/XX/XXXX. It was at this point that the rep advised I had activity on my card from that day, XXXX. I did not use my card and advised her that was not an authorized purchase. 

She completed her intake info and I was provided a 'credit '. I then reviewed my online credit info by logging into FNBO site. I saw on XXXX XXXX XXXX charge and on XX/XX/XXXX I seen the SAME XXXXXXXX XXXX On XX/XX/XXXX I attempted to call in but was told the fraud dept was closed. Albeit, he did tell me that XXXX DID NOT HAVE TO PAY ON THE XXXXXXXX XXXX  and it was a credit for me. I didnt have to pay it. '' I told him I needed that statement in WRITIING. He said he's not authorized to give that I needed to call back the next day since fraud dept was closed. I called today on XX/XX/XXXX and was told by a 'fraud analyst ' named XXXX that there was a credit and I would not have to worry about making that payment. She stated in her NOTES, it stated there was a credit given. O On my FNBO account, I did NOT see a credit. In fact, I seen TWO CHARGES of the fraudulent XXXX! I asked about this and she said I did not have to pay for this but I DO! I HAVE A BALANCE ALREADY ON THE ACCOUNT OF XXXXXXXX So I HAVE to make a payment and they're INCLUDING the FRAUD CHARGE OF XXXXXXXX 
I was then transferred to XXXX XXXX XXXX XXXX 
He advised FNBO DOES NOT GIVE OUT CREDITS!!!!! I was told by 3 different agents I would get a credit and after 2 billing cycles my investigation would be completed. 
XXXX advised they don't give out credits. I asked him, 'so what if the fraud charge was XXXX XXXX XXXX XXXX XXXX XXXX? I would have TO MAKE PAYMENTS ON THIS FOR 60 DAYS!? 

This is highly implausible to REQUIRE consumers to pay for FRAUD CHARGES until THEIR investigations are completed! I'm STILL PAYING ON THE FRAUD CHARGE THAT I DID NOT MAKE!!!!!!!!!!!!!!!!!!!!!!