23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A fraudulent credit card account was opened in my name on XX/XX/2016, and I received a letter from Capital One stating they believed the account MAY be fraudulent. Ya think?! Clearly their vetting processes for applications are the worst. I called in immediately to tell them it was in fact a fraudulent account and the man I spoke with confirmed there were no transactions and the account would be flagged as fraud AND CLOSED. Fast forward 2 months later when I decide to pull my credit report to dispute some of the fraudulent inquiries, and the Capital One account was show as Open and Active on my credit report with a credit limit of {$2000.00}! So an account they knew was fraudulent and that I confirmed was fraud, was never actually closed. I called in again today to sort it out and the woman I spoke with was very nice, but I believe in part that was because they knew this was a huge mistake. She confirmed that the account was flagged as possible fraud, that their records showed all my phone calls were noted, and even that the last agent confirmed in his notes that the account would be closed, and it was NOT. She confirmed very honestly that the proper procedures were not followed and it was an error on their part. Fine, but now I have had a fraudulent account open in my name, affecting my credit score for 2+ months when it should have never shown up in the first place! Capital One should be put out of business. MY TIP : If you receive any letters indicating possible fraud, call immediately and ask to speak with fraud supervisor. Also get their name, employee ID and confirmation that a letter stating the closure of the account will be sent to you.
Product: Checking or savings account

On Monday XX/XX/XXXX I went through the atm to deposit {$830.00} cash into my account. The atm machine said there was a problem counting some of the bills so I hit cancel. The machine closed and didn't give me my cash a receipt or credit my account. I then filed a dispute. I'm highly upset this has taken this long for them to investigate and return my money. After multiple calls back and forth to the XXXX number and the bank branch. One of the tellers even said well our machine is only serviced Monday, Wednesday and Friday we cant just call them out the fee is high. So now we are here and its Friday the problem still not fixed and i call again to the branch and the XXXX number. The branch teller says we know the atm is off we cant deposit the money and tells me to contact the General Manager which I did and I'm waiting for a call back. This has been unreal the last of urgency when that is someone's money. I have asked for paperwork that we have signed stating it is ok and we understand it can take however long for this to be fixed. From a customer service stand point this has been the worst experience we have ever had this institution is does not take the customers best interest in to account. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX Huntington Account number XXXX Dispute Reference Number XXXX /
Product: Bank account or service

I received a post card from Huntington Bank, stating that if I open a checking accounting plus a payroll direct deposit over next 60 days, I would receive {$200.00} incentives. But I could not find it when I wanted to open an account. Then, I went to the local XXXX branch. The manger searched their database and could not find any records of their mailing to me. He also tried to see any unused promotion codes that he could apply it to me. He did not find any. I went back home and XXXX the promotion. I found that Huntington Bank website offered the same promotion but with {$150.00} incentives. I applied for a checking & saving account online on XXXX/XXXX/2015. Everything went smoothly. I forgot the {$150.00} until one day I received a message from the Bank, stating that if I could open a money market account, I would receive {$100.00} incentives. This reminded me about my {$150.00}. On XXXX/XXXX/2015 ( XXXX ), I called XXXX from my cell and talked to a lady. She said that there was a problem in my initial application. She would initiate an investigation to find out whether there was an online promotion during the period that I opened an account. She said that I would receive findings in mail in FIVE days and asked me to call back if I did not receive the letter. On XXXX/XXXX/2015 XXXX XXXX XXXX, I called XXXX from my home because I did not receive any mail ( even up to today XXXX/XXXX/2015 ). The gentleman that I talked to said that they were still investigating it and the information given previously was misleading. I was mad. I could smell that the bank was not sincere. On XXXX/XXXX/2015 XXXX XXXX ), I called XXXX from my office. A lady answered me. She saw the time that I called but she did not find why I was calling for. She said that the promotion code that I entered was " funny ''. It is funny if a wrong code was entered, the Bank would reject it immediately. She said that she would fill a form and expedite the investigation. To be honest, I am getting to lose the confidence in this bank. I filed a complaint XXXX on XXXX/XXXX/2015 XXXX Refer # XXXX XXXX. Today, XXXX told me that the Bank required more time to investigate the matter. It has been 30 days since I initially filed the complaint to the Bank on XXXX/XXXX/2015. It is a simple issue. What is going on with the Bank?
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my company, XXXX XXXX XXXX, initiated a XXXX payment of {$5000.00} ( XXXX XXXX XXXX  ) from our Citibank business account to another business, XXXX XXXX XXXX, using their XXXX account at XXXX XXXX. 

Unbeknownst to us, XXXX XXXX XXXX  bank account at XXXX was closed at the time. As a result, XXXX XXXX  did not accept the payment and returned the funds on the same day, XX/XX/year>. I later obtained written confirmation from XXXX XXXX  that the funds were rejected and returned to Citibank. 

Despite multiple attempts to resolve this matter, Citibank insists that they never received the returned funds. I have provided Citibank with XXXX 's written confirmation, which includes the date of return and all relevant transaction details. However, Citibank refuses to conduct a formal investigation or trace the transaction, leaving my business without the funds and no path to resolution. 

The transaction was sent via XXXX and should have followed a traceable path through the XXXX or ACH network. I am seeking the CFPB 's assistance in compelling Citibank to take this matter seriously, trace the returned funds, and credit my companys account accordingly.
Product: Debt collection

I received a notification from TRS Recovery Services, INC. of a Notice of Unpaid Electronic Transfer. The date of the transaction was supposedly XXXX/XXXX/XXXX. It shows a check number of XXXX and a Stop Payment. Reference number XXXX. This is supposed to be with XXXX for {$400.00} I did not conduct any business with XXXX on the XXXX of XXXX XXXX. I have not made or attempted to make a purchase for that amount with XXXX. I do not write checks to XXXX if I shop there. This appears to be a fraud. 

XXXX did not contact me directly. This letter simply arrived in XXXX, XXXX. There are no supporting documents of any transaction. 

I downloaded a dispute form from the company and that form is highly questionable. It asks for bank routing numbers, drivers license and social security number. This is highly inappropriate. 

Reviewed my checks written and credit card statements. Nothing. 

If there is a problem, it is with someone else.
Product: Credit reporting or other personal consumer reports

The company was notified of inaccurate information being reported on my credit report. After a investigation they returned that the items on my report were accurate although there was absolutely no verification as to where the items developed or any proof of the items rightfully belonging to me. The company continues to report these items although I have stated that they are inaccurate. The company is in violation of the FCRA and the Metro 2 compliancy requirements.
Product: Mortgage

When I first signed for these investment property mortgages with Bank of America XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX They were for more than 80 % of the market value, hence, they imposed a PMI payment on top of the mortgage payment, with the understanding that when the properties appreciated to where the outstanding LTV debt was 80 % or less, the PMI would drop off. When the market value hit this target, I contacted B of A to have the PMI removed, and they said they could only drop it when the LTV was 75 %!! So then I wait until the properties further appreciated to 75 % and again asked B of A to remove the PMI, but they then told me that now the LTV has to be 70 %!!!! Please stop these thieves from continuing to rip me off
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.
Product: Credit reporting or other personal consumer reports

Hi Experian, I just received a copy of my credit report and I saw this fraud account open under my name without my knowledge. 
I was on the phone with the fraud team from XXXX XXXX XXXX XXXX XXXX AND THEY TOLD ME THIS FRAUD account shall delete from my credit report. 
I never opened this account and fraud charges transactions been occured.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have XXXX fraud account still appearing on my credit report all the others listed in the FTC report were removed. 


XXXX. XXXX XXXX XXXX {$7600.00}
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C 1692C You have violated my rights by unlawful communications. please remove this collection off of my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I 've personally written numerous letters to this company and all XXXX credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my XXXX XXXX and my quality of life
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit card or prepaid card

I received a statement from Woman Within in the amount of {$73.00}. I then paid this 2 days early. It was retuned. When I called them about this, they said " if I can prove that it was the banks fault, they will remove the late fees. '' I then called my bank and was told that the card did not enter my entire card number when they took the payment and that changed the entire account number. Now I am not able to place an order using my card. I just called the card again because I have no balance. I called them again today to ask why I am not able to make a purchase on my credit card. I was told it had to be 15days, XXXX XXXX, before I could use my card again. I asked the rep where it said that, he repeatedly said it was not on my statement. I again asked where does it state that I have to wait 15days. He could not tell me. I then asked to speak to a supervisor. When she came on I asked her why I could not use my card with a zero balance. She then said I have to wait until XX/XX/XXXX before I can use my card. I do not understand why the different days. She could not explain. I then asked why I was charged a fee of {$2.00} when I paid the balance in full 2 days before it was due. The only thing she could say was I paid the bill on XX/XX/2022 which is after the due date. The due date was XX/XX/2022. I paid it on XX/XX/2022 and they still charged me fees. They returned the rest of the fees and interest. Why not that? I was told I could not I could not charge anything until the {$35.00} was paid. That was paid on XX/XX/2022. On XX/XX/2022, I tried to place an order and was denied the ability to place it. No explanation as to why. I have a {$0.00} balance and am still not able to place an order. They must not want people to use their credit card.
Product: Checking or savings account

I booked 3 rooms for XXXX XXXX XXXX XXXX XXXX XXXX that is located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX for one night on XXXX  XX/XX/2022. 

I booked through booking.com with cancellation guaranteed refund if i wanted to cancel. 

I cancelled well before the cancelation period and the hotel still charged me. 

I requested a refund and called them for which they told me that they refunded me and it would take 7 - 15 business days for the refund. ( I even have email confirmation from them ) So i called Bank of America to dispute this transaction and they sent me a credit totaling {$430.00} which then they sent me mail saying they will take it back on XX/XX/2022 They never gave me a chance to show them proof or anything that clearly shows that i cancelled correctly and that the hotel even told me that they will refund me but never did.
Product: Debt collection

on XX/XX/23 I disputed account with a regarding title of NO RESPONSE. I requested verification or delete on account because credit report is reporting a debt that I do not recall having. I disputed through XXXX and XXXX and only XXXX responded deleting account. XXXX continues reporting debt without verifying account. Credit reports states account has been disputed and meets FCRA requirements. How is this possible if I dont recall debt and creditor nor bureaus have provided verification.
Product: Credit card or prepaid card

I opened a secured credit card account with Orchard Bank in XX/XX/XXXX. I put {$200.00} of my money down as the security deposit. However Capital One took over Orchard Bank back in XX/XX/XXXX, so they became the new owners of my secured credit card. So now that I closed the account I have tried for months to get my {$200.00} security deposit back and I have talked to over 10 people and everyone keeps passing me around and no one can help. Im getting the run around from capital one and refusing to refund my security deposit. 

On XX/XX/XXXX I called Capital One to close my account and request my {$200.00} security deposit, however I was informed by customer services that I had to contact Orchard Bank to get it from them ; But, I refused and told them that Capital One needed to refund my money since they took over the account from Orchard bank. So XXXX senior supervisor was going to request an investigation to their back office and will take 5-10 business days to get an answer. Nevertheless I didnt hear from them so called again XX/XX/XXXX to follow up and I was told by XXXX supervisor that back office was still working on it. On XX/XX/XXXX called again since I hadnt heard anything yet, I was told by XXXX customer service that capital one will not issue a refund because when capital one took over it became an unsecured credit card and that it was nothing in their system that showed my account was a secured credit card. Therefore I requested to retrieve my original agreement I had with Orchard Bank, but he said he could only provide that one from XX/XX/XXXX when capital one took over the account. I refused and demanded my original agreement which XXXX the supervisor was going to request from their back office but until date I havent received or heard anything from capital one. 

Please help me because I don't think its fair that capital one is refusing to issue my refund just because is not in their system that my account was a secured credit card, I have no reason to lie besides if they had informed that my account was becoming unsecured when they took over, I would have requested my security deposit right away. But they never informed me and since I always paid the annual fee which was part of my secured credit card agreement I assumed was still a secured credit card rather than unsecured. 
Thank You
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to address the recent restriction and limitation placed on my newly created PayPal account. As a new user to your platform, I am eager to utilize your services for secure online transactions and adhere to all the terms and policies set forth by PayPal. 

To my surprise, I received a notification stating that my account has been restricted and limited. I would like to emphasize that I have not undertaken any transactions or actions that may have breached PayPal 's guidelines. As a law-abiding user, I am committed to following all the necessary procedures to maintain a safe and compliant environment for all users.

I kindly request a thorough review of my account and the specific reasons behind its restriction. I believe this may be a result of an inadvertent misunderstanding or an issue that can be promptly resolved. I assure you that I am willing to cooperate fully to verify my identity and provide any additional information required to reinstate my account. 

For your convenience, my registered email address linked to the restricted account is XXXX. Please direct any correspondence or updates related to this matter to this email address. 

I am dedicated to resolving this situation as swiftly as possible, and I would sincerely appreciate your assistance in reinstating my account access. If there are any specific steps I need to take or additional documentation I need to provide, please inform me, and I will comply promptly. 

Thank you for your attention to this matter. I look forward to a favorable resolution and to continue using PayPal 's services responsibly. 

Yours sincerely, XXXX XXXX
Product: Student loan

Hi I am a very concerned private student loan customer of Navient. I have made three payments in XXXX that posted on their website and received a call today that two of them were retracted. I called my financial institution and the funds were not retracted they were paid. Navient is saying they were not paid and the funds were withdrawn from my account leaving me 60 days past due and potentially taking a credit hit. Can you help in anyway? 


XXXX XXXX
Product: Mortgage

XX/XX/XXXX second mortgage started with XXXX XXXX XXXX XXXX subsidiary of XXXX XXXXXXXX XXXX XXXX XXXX for the amount of {$34000.00}. XX/XX/XXXX I filed a Chapter 13 Bankruptcy, It was XXXX XX/XX/XXXX. I have tried to reach above mentioned and they are out of business, My house has been sold and is closing XX/XX/XXXX. I have reached out to Bank of America as information found is they have the loan. I have not received any notifications of Second mortgage payment throughout this time, nor any notifications of the mortgage being sold and so fourth. I am seeking payout and company that needs to be paid. Bank of America has been negligent in updating Title, prviding information for payment or payout.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a XXXX XXXX account on my credit file across XXXX and Experian. Despite prior disputes and XXXX claim that the account is not present in their report, this account remains inaccurately listed. XXXX XXXX has failed to provide any verifiable evidence to validate the account and has not fulfilled their obligation to properly investigate the dispute. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ), which mandates that furnishers of information must ensure the accuracy of reported data and investigate disputes thoroughly.
Product: Debt collection

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX 's customer service requested for me to turn in the full FTC report in order for this account to be removed due to XXXX. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX fraudulently changed the account number for this account. I contacted XXXX 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit.