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

I opened a Capital One 360 Checking account i n  XX/XX/XXXX  of th is year. I have an online bank that I use but wanted to change to a more reputable company. I did a   XXXX   search to see which banks are offering promotions. I came across Capital One and they had at least 5-6 promotions they were running. I applied for a checking account that included a {$400.00} bonus. The requirements for this bonus were that I needed to make 2 direct deposits of at least {$250.00} or more within 60 days, accept the terms and conditions and be the primary account holder. It also required putting in a code of  XXXX  when completing the account, which I did and it was ACCEPTED BY CAPITAL ONE. After my 2nd deposit I called Capital one to see when I can expect my new account bonus. I was told that since I was not in a targeted area, I would not receive it. I explained to the representative that this was never explained to me and besides the system accepted my code and never said anything about being targeted. I have talked to so many people and even emailed the CEO  XXXX  and the customer satisfaction team with no resolution. They keep blowing me off. I know for a fact that people all over the United States are receiving this new account bonus. I was able to find that out online from a   XXXX   search.
Capital One 360 Checking Account Summary : Apply Now Account Type : 360 FREE Checking Account Maximum Bonus : {$400.00} Availability :    Nationwide (  DOES NOT SAY TARGETED AREAS!! ) Expiration Date :  XXXX / XXXX /2017 Soft/Hard Pull : Soft Pull Credit Card Funding : Unknown Direct Deposit Requirement : Direct Deposit is Required of at least $ 250+
Product: Mortgage

XXXX XXXX, XXXX, received letter from PNC Bank that the mortgage payment on our residence would decrease from {$900.00} to {$890.00}, effective XXXX XXXX. 

PNC has never reduced our payment despite numerous attempts via email and phone to get them to do what their letter said they would do. 

PNC has instead, unilaterally, lessened their exposure by applying the excess payment to principle WITHOUT OUR KNOWLEDGE OR CONSENT. 

PNC said they would reduce the mortgage payment, they have not and inspite of our best efforts to get PNC to comply, they have refused to do so. 

Attached is PNC notice that PAYMENT would be reduced. 

Attached is XXXX payment history showing that excess payments auto-debited from our checking account, are being applied to principal.
Product: Debt collection

Credence contacted me XX/XX/2021. I never receive a notice explaining I had the right to dispute or verification of the debt. This now shows up on my credit report. The calls stopped for awhile but On XX/XX/XXXX, the calls resumed and still no written notice or verification had been received.
Product: Credit card or prepaid card

So I e recently applied for a credit line increase at the end of XXXX. I was denied. This is the second time since Ive opened the card that Ive been denied a credit line increase.
Product: Credit reporting or other personal consumer reports

I NOTICED UNAUTHORIZED HARD INQUIRES ON MY REPORT OR I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY NAME. REMOVE ALL FRADUALENT ACOUNTS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received inquiries letter from Chase, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.
Product: Student loan

Made payments, verified taken from bank account, and never showed up towards loans on XXXX XXXX website. They are stealing money.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

On XX/XX/XXXX  I received a statement from Halsted Financial for a debt of {$160.00} ( which statement was dated XX/XX/2022 ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to Halsted Financial because it had already been sent to collections. I wrote Halsted Financial on XX/XX/ explaining all of these things and asked : 1. The amount and time period of the alleged debt.

2. The full name and mailing address of the original creditor for this alleged debt. 
3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment. 
I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. 
On XX/XX/2022 I received another statement from Halsted Financial. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX  coming back because of the wrong address. 
I have yet to receive anything from Halsted since. 
I would also like to mention this is the only company that has reported any alleged debt on my credit report. All other companies have my credit listed as exceptional/outstanding.
Product: Credit reporting or other personal consumer reports

The credit reporting Agency removed all the collections from XXXX them 1 week later put then all back as collections. and they were reported closed. This was done by Trans Union. And anytime I send them responses they say its a credit agency or some excuse its not me.. That's a lie, I am the one sending it. I am XXXX XXXX and need help sometimes because I can't do everything so I have my Family or Sisters help me on their Laptop. 'Id like you to verify for me why the collections were taken off then put back on,. I am trying to get a place to live and by them being sneaky is stopping me from getting approved for housing. Please they need to remove them like they did and leave it that way. also XXXX XXXX XXXX was a Paid collections and they refuse to remove the account.It was to be deleted after it was paid off which it was,, And they also put this back because it shows to other accounts that pulls from Trans Union and XXXX
Product: Debt collection

I never received any notice I had this dept it just showed up on my report. This was paid by the fallen and wounded soldiers fund and never should have even went into collections. Please fix.
Product: Debt collection

XXXX XXXX XXXX XXXX-berman and Rabin Pa. 
Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX  XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX XXXX XXXX is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct XXXX XXXX
Product: Debt collection

I mistakenly ordered a bed from XXXX in spring of 2021. I canceled the order within minutes and called them to verify. They laughed at me and said that the order would be shipped to my house anyway and then I could return it for free. I told them not to ship it to me and I told XXXX not to deliver it to me. The item was never shipped nor delivered to me. XXXX claimed that I received the item and had to pay over {$1000.00} to return it. XXXX would not communicate with me and they passed it off to XXXX creditXXXX XXXX  refused to communicate with me and now I have debt collectors after me. I am XXXX XXXX XXXX and have NEVER had a bad debt or even a late payment. This harassment has to stop. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : Acima Digital FKA Simple Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through Equifax. The amount was XXXX. I was sent confirmation it was removed and paid in full from Equifax dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/, I received a notice from Gemini that all XXXX funds in their Gemini Earn program were to be frozen, due to the freezing of funds by XXXX, the third party company holding the funds on the Gemini Earn platform. This goes against Geminis claim that all Gemini Earn funds can be accessed in five days or less. This claim is a big reason I chose to place funds in Gemini Earn and now that they are not honoring it I would like to reclaim these funds and reinvest them elsewhere. 

I attempted to withdraw my funds ( consisting of approximately {$8000.00} in XXXX stable coin, XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX ) from my Earn wallet on XXXX XXXX XXXX Today, ten days later, XX/XX/XXXX, the transactions still say Pending and no funds have been withdrawn. I reached out to Gemini support yesterday and their response was that funds are still frozen due to XXXX freezing of their funds. While I understand this is an inconvenience, I still would like my money back, which I purchased on their platform and placed into the Gemini Earn program. They marketed it as a safe Gemini product and they need to return my money no matter what happens with XXXX. 

I look forward to hearing back and I hope that Gemini makes this right ASAP. 

Thanks for the help.
Product: Checking or savings account

I opened a new checking account and use the promotion offer. I supposed to get {$300.00} after opening the account and two direct deposits of {$500.00}. After this I asked the bank multiple times why I am not getting the promotional amount. After research and multiple follow up calls, I was told that I didn't use a debit card. When I opened the account, I didn't get the debit card and the manager didn't mention to me anything about using debit card. This is clearly misleading advertisement and intentionally not disclosing all facts when I was opening the account.
Product: Student loan

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$2900.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit card or prepaid card

This bank treat me horrible Ive apllied so many times No matter what I do their system autimceticolt declined me Ive been applying Since XX/XX/2016 and they still wont approve me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires that just hit my credit file and I did not apply for any of these XXXX inquiry XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX inquiry XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of 2022 I fell behind on my car payment due to financial instability. since XXXX of 2022 I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.
Product: Credit card or prepaid card

I went into XXXX XXXXt today to buy a washer and dryer with my credit card from XXXX XXXX. 
When I doubled checked my credit limit it was {$700.00} and balance was {$530.00} but when I was first approved I had a credit limit of {$7000.00}. They lowered my line of credit with out informing me and that threw my debt to credit ratio out of whack and caused damage to my credit report. 
Because my balance was a little over {$500.00}. 
I called them to get a explanation and the agent just transfered me to a robo call with XXXX. But she confirmed they did in fact lower my line of credit.
Product: Checking or savings account

Hi my name is XXXX XXXX i opened a account with chime about 4 weeks or maybe more and prior to opening this account i was working for and older fella that as past away and his son jon was spose to pay me for the work that i did for XXXX and i worked for XXXX for 3 months without pay but a few buck here and there cause we agreed on me getting XXXX that is why i opened up achime account and since i opened up a chime account i was sitting in my hotel room one day bout 2 weeks ago and i got an email that my email that was on my chime account got changed and because of having two strokes in my life i have brain trauma and mental XXXX and memory loss but i called chime right away to talk to them about it and then some time after i had put a hold on my account after talking with chime someone changed all of my info on my chime account and now i have been drealing with chime support for the last 2 to 3 weeks of them telling me that i need to senf in verification details so i did that at least 3 to 4 times sland gave them the email and phone number and a few pic of me holding up a piece of paper with my id for verification and i did that and nothing at all and i had two deposit put into my chime account two weeks ago snd now i cant even get access to none of my money that i worked for it was two jobs that i did for the money that i got deposited into my chime account but chime as done nothing to get my account back so now im out XXXX on one deposit and 60 on the other deposit so i have been struggling ever since i have worked for XXXX and now chime does not want to help me get my money back ormt account bsck from the person who stole my money and account and i dont no what to do cause of my XXXX so if someone could help me out to get my funds back so i can better my life that would be greatly appreciated and because of my brain injury i do not understand thing i read and or are told to me so yhe money that was taken from me was to get my life back on track to get my license back and to get a vehicle so i have to put my life on hold again so i can get this taken care of buu i need that money as soon asXXXX possible and they can put it into my XXXX XXXX  account and if they need my account details then the ceo of chime can call me and i want himor her to handle everything on getting my money to my XXXX XXXX account after they call me to get my bank details
Product: Mortgage

Back in 2011 I have received an offer for modification from bank of america. After numerous conversations Bank of America representative advised me to stop making payments in order to qualify for modification, and I was told that in case of modification being approved the lates would be removed from my credit report. However it has been 4 years since my approved modification and bank of america has not removed the lates from my report which they forced me to have in first place. Now I ca n't even refinance or sell my house due to their negligence and ignorance to my numerous requests. I hope this complaint will bring justice and have bank of america comply and remove lates reported erroneously in first place
Product: Debt collection

KLS has reported a medical bill on my report for {$75.00}. According to the Fair Debt Collection Practices Act, I am supposed to receive a notice of my right to dispute, prior to this collection agency reporting this bill on my report. I never had a chance to protest the validity of this debt ( which I would have ), prior to its appearance and damage done to my credit profile. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I sent out certified letters to XXXX, Equifax, and XXXX requesting to have proof of how they verified negative information placed on my credit report, and I have not had a response to my inquiry. 

As consumer reporting agencies, they are supposed to fully investigate and be able to provide proof of their investigations before they place anything on a consumer 's personal credit file, and I believe that they have not followed the proper investigation process before placing these items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX correct and remove this inaccurate info from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

Wrong address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX