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

I'm sure you'll be getting this a lot today or throughout the week, but I'd like to file a complaint against Capital One. As you may be aware of, Capital One is having an outage due to a service provider. They did not announce anything, until the middle of last night on XX/XX/year>, via email. They announce that customer will be having issues with direct deposits, transactions, and any other payments. Apparently, as of this morning, people who normally get paid on Friday, receive their direct deposit. People who get paid on Wednesday night or Thursday morning, like me, have not gotten paid yet. So clearly, this issue has been going on since earlier this week. Many of us live check to check, like me, and a bank holiday is coming up. This is unacceptable and the way they have handled their customers is down right wrong. They will have us on hold, hang out, or not give us a clear answer. Which I understand, but the fact that corporate can not give a clear answer, but automated ones, is not how you treat your customer. As many of us, I have bills to pay and it's nearly lunch time as of XX/XX/year>. I've seen people get different answers about when this issue will be resolved. For gods sake, I work in Payroll and I'm already dealing with some heat on my end from my employees, which I have no control of. I should not have to deal with this, if only their banks had sent out notifications right away! This should be consider a XXXX XXXX. I am deeply upset, and may have to wait until next week ( I hope to god not ) for my direct deposit. Worst case scenario, the direct deposit bounces back ( this can take up to a week ) AND I, MYSELF, will have to redo payroll again just so we can get our money. My husband is also with Capital One, and I have no idea if he'll send in a complaint, but I hope to god he does, because this is ridiculous. I am so sorry you have to read this message, and I apologize if you were effected as well. The fact that I can't even rely on my credit card either, because it's also Capital One, is terrible. And even if I could, Capital One would not even care to pay that back or any fees they claim they'll pay back because of this issue, is terrible! I have learned my lesson the hard way to have a secondary bank as back up, but wow. Just wow. Please excuse me, and I hope you have a wonderful week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit plus is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully ; p ] '/loobtaining my XXXX consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

Someone I dont know opened a XXXX XXXX XXXX XXXX XXXX under my name without my consent. Ive already contacted XXXX XXXX fraud department as well as Experian. I was told to submit a report to the FTC and was redirected to the CFPB.
Product: Student loan

Good Afternoon, I had an account with Great Lakes for a FFEL Consolidated Loan. I defaulted on the loan due to unemployment. They were able to get my tax return refund from the IRS. I understand that they can do that. What I don't understand is they also increased my balance by over {$1000.00} with no explanation. I am employed now and I am making payments, but I didn't if what they did by increasing my balance is legal. Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report. I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request immediate action to protect my credit information and block and delete all items associated with this breach. 
Inquiries XXXX XXXX Date of XXXX : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
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 # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX These two have violated my rights 15 ISC 1681 Section 602a, stated I have a rights to my privacy 15 USC Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information other than records of conviction and crimes ante dates the report by 7 years.

15 USC 1861s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or have reasonable cause
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Stated in the letter attached that they verified the Bankruptcy from a 3rd party ( XXXX  ) XXXX XXXX XXXX XXXX has the incapability to verify information unless they have first hand knowledge of an alleged debt or account. As you will see in my evidence directly from the Clerks office stated they do not provide any credit reporting agencies with any information. XXXX  no XXXX XXXX can not validate or verify any information that is not directly being verified or validated by the original creditor. 



Please investigate the unlawful practice of XXXX XXXX and there methods of conducting investigations as the accuracy of reporting information. They are clearly not properly following the FCRA regulations as it pertains to the Privacy a consumer has a right to, and also they do not have permissible purpose or written consent.
Product: Credit card or prepaid card

Card was opened without my knowing reported fraud but Navy Federal will not remove the file
Product: Checking or savings account

On XX/XX/2022 around XXXX I received an email saying my savings account was frozen. I called them almost immediately and resolved this issue. A few hours later, approximately XXXX, I received another email this time saying my savings account was suspended. I reached out again to banking representatives and they said they can not help me with the matter let alone tell me why. They gave me a different number for the fraud department but the issue is the wait time is 3 hours, and once you sit on the phone for 3 hours it automatically drops. Im disappointed that not only can I not get ahold of the fraud department, but I can not access my account and my funds are being held because they are frozen.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my personal Information, and these non-mailable addresses. I contacted Experian, XXXX and XXXX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from Albuquerque Auto Outlet XX/XX/2015. I was not offered a bank finance option instead I was offered in house financing. I was told that by using their in house financing after 6 months of on time payments it would reflect good to my credit report and I would then be able to refinance. On XX/XX/XXXX I had pulled my credit to see if the on time payments had improved my credit enough to refinance. After reviewing Albuquerque Auto Outlet had not reported to my credit at all. I reached out asking why it had not reported and was told they are working on it. After months of waiting for them to report to my credit and being told they were working on it it never was reported. I then made the decision with never paying late to return the vehicle to them. They are now reporting that 3 years later that they just repossessed the car and that the balance owed is over {$40000.00}. I have disputed the inaccurate amount owed and inaccurate reporting as to when the car had been repossessed and each time they have claimed its accurate.
Product: Credit reporting or other personal consumer reports

Westlake is showing incorrect data on my credit profile. The account is paid in full but is showing different balances on two different credit bureaus. I am trying to purchase and home and because of the incorrect data reflecting on the credit bureaus from Westlake I am unable to get my mortgage.
Product: Debt collection

XX/XX/XXXX - Placed a call to DSR Holdings and spoke with XXXX ; XXXX advised their company had been " retained '' by XXXX in debt collection, implying that it was of a legal issue and they had a " final notice '' for me to " settle '' implying that I have, had, or will be taken to court with zero communication from this business in written, or emailed format. 
They also sent text notifications prior, which I did not concent to being used via TCPA regulations and opted me into personal text notifications from a XXXX XXXX at the company as well. 

When requesting a letter of debt validation advising them that my accounts were never notified to me from XXXX that they were sold to you, and that I had made payments on time up until XX/XX/XXXX, and was never sent any further payment reminders from XXXX thereafter despite having no issues with my email address. XXXX replied to my request of a debt validation letter said " We'll send you an email '' to which I responded " No, you will send me a written letter of debt validation. '' XXXX 's response to this request was poor, and I ended the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have currently filed illegal suit in the county of XXXX and given the information contained in the audio recorded with the JPMorgan Chase holding company I firmly believe it's a waste of time see you to spend attorneys fees to defend this case in court and I'm asking politely that you remove this from my credit report please see the link to the audio recording JP Morgan Chase representative supervisor and the documents and the court filing attached below XXXX XXXX XXXX XXXX
Product: Debt collection

coast professional, inc. sent 2 letters about debt reference # XXXX & XXXX and i don't know what it is for. If it is for some kind of medical expense with the VA, i have no co-pay according to the 1964 GI bill. Need information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX alike has allowed XXXX XXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX  XXXX XXXX. For this alleged debt, XXXX  XXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : Experian reflects a past due balance whereas XXXX  does not ( Inaccuracy ) Experian reflects an open date of XX/XX/XXXX and XXXX reflects XX/XX/XXXX ( Inaccuracy ) Experian reflect terms of 1 month and XXXX reflects nothing ( Inaccuracy ) XXXX   notes this is a medical debt and Experian notes nothing ( Inaccuracy ) Experian reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on XXXX ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my credit report due to fraudulent activity. Someone tried to open a credit card account without my knowledge through Capitol One Bank. 
CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX I am attempting to get this hard inquiry removed from my Trans Union credit report XXXX 
My credit report is indicating that XXXX XXXX removed the hard inquiry then added it back to my credit report on on XX/XX/year> This hard inquiry was removed from my XXXX credit report and I am requesting that XXXX XXXX do the same due to identity theft and fraudulent activity.
Product: Checking or savings account

I invested {$2000.00} to start a Health Savings Account with XXXX   XXXX  a NY Mellon Bank. On or about XX/XX/XXXX, I noticed strange transactions on my on-line statement. I had used the account on XX/XX/XXXX two times to make a payment totaling {$520.00} to a medical provider. However, the account transcript showed a XX/XX/XXXX withdrawal for {$1900.00}. On XX/XX/XXXX, there was a deposit for {$3500.00}. Again on XX/XX/XXXX, there was another deposit for {$3700.00} ( both marked tax year XXXX. ) On XX/XX/XXXX, the account was debited {$7200.00}. In fact, the XX/XX/XXXX withdrawal of {$7200.00} was payable to XXXX XXXX XXXX. This name is not part of the account ; we have no idea who this is and do not recognize this name as a payee or medical provider. 
None of these transactions aside from the XX/XX/XXXX {$520.00} withdrawal were done by me or any family member. In fact, on XX/XX/XXXX, I submitted an affidavit of unauthorized/ improper direct pay activity to XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, New Jersey, by certified mail. There had been no formal written response as promised. Not hearing from XXXX XXXX, I called several weeks later to a customer service agent, who said they would check. The agent eventually said the investigation was concluded and that somebody had used MY IP address and created a new e-mail account, and accessed my online bank account ... I did not perfectly understand the spoken voice of the agent ; I do not recognize the email nor did I authorize anyone to change the email on file. I was told the account was closed. I challenged the agent on the telephone why a written responseor any responsehad not been sent to me aside from the call we initiated. 
I have lost {$1400.00}, plus the time accrual of the account, plus the time taken to address this issue.I requested a written responseand satisfaction. On XXXX after many calls and contact with XXXX  -NJ, I  finally recived a transcript of the so call " Operation Team '' showing were the unauthorized transaction originated, somewhere in California .My money has been stolen. XXXX XXXX either maliciously or carelessly blame me for this unauthorized transaction. Do not open accounts with this bank.