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

Capital one changing its 360 savings account percentage from 0.4 to 0.3 %
Product: Checking or savings account

Hello, I made a {$800.00} ACH withdrawal from my KIKOFF checking account to mXXXX XXXX XXXX XXXX  checking account on XXXX It stated initially that the transfer would take up to 5 business days. On XX/XX/, I receive an email from KIKOFF stating they have been having issues and delays with ACH transfer requests. I immediately emailed customer support to receive an update on this issue.On XX/XX/, I call customer support, who informs me that the transfer has been canceled. I ask where my funds are and I do no receive an answer. I am told I would receive an email in 1 business day. On XXXX, I do not receive an email as told, so I call again. They again state the transfer was cancelled and that they will follow up with email. I asked numerous times to be transferred to a supervisor and the customer rep says there is no supervisor. On XXXX, I receive an email stating Thank you for getting back to me. Upon review, I can see that the {$800.00} is available now on your secured card. We are terribly sorry that this event occurred and are diligently working with our partner processor to understand the root cause. In the meantime, we are prioritizing processing the delayed ACH transfers. However, the money is still not in my account. I call customer service who again says that the transfer was canceled. After asking numerous times again to be transferred, I am transferred to an automatic message that states there is no supervisor available and the phone call ends. I call again, this time finally transferred to a supervisor who does not know anything about the situation, and says that the email I received is false. They still have no idea where my money is, and after asking them to credit my account while they investigate, they refuse.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I challenged the negative items on my credit report, including an unauthorized inquiry. I also requested detailed information on how TransUnion verified the disputed items, including : The date of verification. 
The method of communication used to contact the creditors. 
Whether the creditors provided my Social Security Number ( SSN ) and Date of Birth ( DOB ).

To ensure my identity was verified, I included the following documents with my dispute : A copy of my drivers license.

A copy of my Social Security card.

A recent utility bill as proof of address. 
Despite my thorough efforts, TransUnion refused to conduct the required investigation. On XX/XX/XXXX, I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation if the accuracy or completeness of any item on a consumers credit file is disputed. By failing to process my dispute and refusing to investigate, TransUnion has violated my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX XXXX XXXX XXXX XXXX XXXX informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX Fraudulent accounts : XXXX XXXX COLLECTIONS opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX LA XXXX on XX/XX/XXXX XXXX Inaccurate addresses : XXXX BROKEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX LAST XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX BANK XXXX on XX/XX/XXXX XXXX XXXX XXXX ONLY XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain credit and was told about an auto loan with XXXX XXXX XXXX that was delinquent and in repossession that appeared on my credit report. I know nothing of this company and never made an auto loan in the amount of {$16000.00}. I live in XXXX XXXX and never made an auto loan purchase in XXXX I disputed this with the credit bureau, and it still appears on my credit report as a repossession with {$13000.00} still owed. I am not satisfied with the outcome and the Credit Bureau nor the fact that all the say is that it's dismissed. Someone used my information to get an automobile and I want this corrected the proper way because it has dropped my score tremendously from what it was previously. Info below that I got from my report. 
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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am looking into buying a new property.. I need the credit freeze removed from my credit file ASAP. I have attached my updated information and my current address Please lift my freeze for 30 days.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX whom it XXXX concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA XXXX XXXX ( XXXX XXXX ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. 
I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately. 
Below is a summary of the data in which I am challenging : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Debt collection

As I began to repair my credit this this month XX/XX/2023, I disputed 2 collections from US COLLECTIONS WEST INC. They are from XXXX XXXX XXXX. Following the dispute update, the balance of both accounts has increased significantly. Also, why do they have two accounts with two different balances. The apartment complex never gave me a copy of the lease despite multiple requests when I was living there. Also, they added a month from the previous year that was paid for by a local XXXX  for rental assistance. I don't understand how they can add a month that was paid for when they evicted me. Then when I attempt to dispute the charg, they raise the balance without reason.
Product: Credit card

XXXX I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Subject : Credit Card Application Decline and Violation of Consumer Law MANAGER/CEO /COO I hope this letter finds you well. I am writing to express my disappointment and concern regarding the recent decline of my credit card application with your esteemed institution. I believe that my application was unjustly rejected, and I would like to bring to your attention a potential violation of consumer law. As a responsible individual, I have maintained a good credit history and have promptly met all my financial obligations. Therefore, I was surprised to receive a notification stating that my application for a credit card had been declined. I followed the necessary steps, provided all the required documentation, and fulfilled the eligibility criteria outlined by your bank. Upon reviewing the reasons for the credit card decline, I was dismayed to find that the decision was based on discriminatory grounds, which is in violation of consumer protection laws. The Equal Credit Opportunity Act ( ECOA ) prohibits creditors from denying credit to individuals based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. I firmly believe that my application was declined due to factors unrelated to my creditworthiness, but rather due to unlawful discrimination. I kindly request that you provide me with a detailed explanation for the denial of my credit card application, specifically addressing any potential violation of consumer protection laws. I also urge you to reconsider your decision and reassess my application based solely on my creditworthiness and financial history, as is required by law. If it is determined that my application was indeed declined in violation of consumer protection laws, I expect appropriate action to be taken to rectify the situation. This may include providing me with the opportunity to reapply for the credit card or offering suitable compensation for the inconvenience caused. I would like to remind you that as a consumer, I am aware of my rights and will not hesitate to seek legal recourse or report this matter to the relevant regulatory authorities if necessary. I trust that your esteemed institution values its reputation for fair and ethical practices and will take the appropriate steps to address this issue in a timely and satisfactory manner. I kindly request a prompt response within [ a reasonable timeframe, e.g., 14 days ] from the date of receipt of this letter. You may reach me at the contact details provided above. I would appreciate your attention to this matter and a swift resolution. Thank you for your immediate attention to this serious concern. I look forward to your prompt response. Yours sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/17 This account is not mines my information was compromised this negative account is reflecting on credit reporting agency Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Credit card

Subject : Complaint Against Capital One for Account Restriction and Blocked Access Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital One regarding an issue with my credit card account. Without prior notice or clear justification, Capital One has restricted my account and blocked me from accessing or using my credit card. Despite my attempts to resolve this matter directly with them, I have not received a satisfactory explanation or resolution.

This action has negatively impacted my financial stability and ability to manage my credit obligations. Additionally, Capital Ones lack of transparency and failure to provide timely communication regarding this restriction is deeply concerning. I believe this may be an unfair or improper practice, and I request that the CFPB investigate this matter.

I kindly ask for your assistance in ensuring that Capital One provides a formal explanation and takes the necessary steps to resolve this issue. Please let me know if you require any additional information or documentation regarding my complaint. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Bank account or service

Bank of American is charging fees in excess and not authorized with the business banking account with XXXX XXXX. We are not to have a monthly business fee if we pay our bills using our debit card like a charge card which we have been. We also indicated to Bank of America that we do NOT want any overdraft protection and if there is n't money in the account we do not want the transaction authorized. They 've been denying this request and they been deliberately causing our account to go negative and charging in excess fees up to {$35.00} at a time and every few days once they start the cycle of charging an account into the negative. These transactions were not authorized nor where these fees.
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 XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the third company that has attempted to collect this debt. Each time, we have provided detail payments we have made to the original XXXX XXXX provider along with our request for an account statement revealing where each of our payments were applied. Our last contact was XX/XX/XXXX via email. After sending the message with our payment history and dates of previous contact, the calls stopped. 

Now, the third collection agency has been contacting us now. I explained the same scenario. They sent us a form to use to contest the amount. The due date is XX/XX/XXXX. Despite having sent us this form, they continue to call about every other day. They refuse to give me ( the spouse ) information, but when I call them back they give me all information so they are inconsistent in their privacy policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL, XXXX  XXXX XXXX, XXXX XXXX ''
Product: Student loan

When I login to my account I recieve the error message, " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I have tried contacting them by phone, email and have not been able to get through. I have waited on hold for 2 hours or more on multiple occasions. I have requested call backs and have not received them. I am unable to set up auto pay or determine when my first payment is due. I am worried I will miss a payment and be penalized. I am also worried I will accrue unnecessary interest and have a delay to my loan forgiveness. 

My loans are still showing on myfedstudent aid. 

Thanks, XXXX
Product: Checking or savings account

I was charged over a month worth of transaction by this merchant. I contacted the bank and on the 14th day of the dispute was told they denied my dispute saying this We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination.We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination When I responded to the email and told them I was hospitalized at the time the transactions were made and sent them copies of my paperwork from the hospital they still denied my claim. I requested the documents used to make this decision I did not receive a reply. However the bank refunded two of the multiple transactions from the same merchant.Ive contacted the merchant several times since then and keep being told a manger will give me a call back and no one has returned my calls. I was told by customer service at the hotel that the rooms were booked under a last name similar to mine and the phone number nor the address listed on the reservations is mine. Yet no one has called me back to resolve this issue and the bank denied my claim simply because they can. 
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: Debt collection

Account number XXXX This a complaint against Moehla Department of Education.

This agency is been trying to make business with me.

On XXXX XXXX with tracking number XXXX delivered on the XXXX requesting to cease and desist this account due to insufficient information requested. 
After requesting to delete and to cease and desist this account, Moehla is still trying again to make business with me. I sent out another letter on XXXX XXXX with tracking number XXXX to cease and desist this account with my fee schedule. Once again Mohela Department of Education failed and wrote me an other mail. This an harassment towards me, and identity theft. 15USC1681q you are obtaining my information under false pretenses. 18usc1028 fraud and related activity in connection with identification documents authentication feature and information. I requested Moehla to eradicate anything related to my identity such ssn, dob, name, taxpayer identification number, driver license, address or transfer of a document by electronic, this department failed and retained my information. Delete my information anything what what issued by the government belongs to me.
Product: Student loan

My daughter went to this school XXXX XXXX XXXX in XXXX Me, for medical assistant. Her name is XXXX XXXX she attened in XX/XX/XXXX for 2 weeks and was kicked out .We thought nothing of this since none of us cosigned any loans or such .We got a call saying we were neglegent on a studant loan and that there would be major trouble if we didnt start paying this .This was XX/XX/XXXX we have made every payment on time even though we think this was a fraud.My wife and myself have had major medical problems since then i have had total XXXX XXXX and my wife has severe XXXX, and this has made our income decrease .We feel that this fly by night school, scams people with student loans that they never should put in someones name without telling them .They should have the person present for a signature for sure .If there is any way to help me with this false debt it would be greatly appreciated My name is XXXX XXXX you can email me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft which created negative accounts on my report and incorrect personal information.