23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX, XXXX, XXXX of XXXX I began noticing odd charges on my credit card. I notified Capital One via letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again this year twice, the first time in XX/XX/XXXX and then again recently in XX/XX/XXXX. I've gotten ZERO responses other than them sending me correspondence informing me that because I DID NOT inform then with 6 months of the charges I was not allowed to dispute the charges!! I did notify them, with 30 days or less, or each and every single charge. In XX/XX/XXXX, I even sent them copies of each letter along with copies of the statements showing the charges in question with only a response to one charge for {$100.00} which was done XX/XX/XXXX. 

There are 7 charges total that come to {$890.00} and were done as follows : 1. XXXX on XX/XX/XXXX to XXXX XXXX 2. XXXX on XX/XX/XXXX to XXXX XXXX 3. XXXX to XXXX on XX/XX/XXXX 4. XXXX to XXXX on XX/XX/XXXX 5. XXXX to XXXX on XX/XX/XXXX 6. XXXX to XXXX XXXX on XX/XX/XXXX XXXX. XXXX to XXXX XXXX on XX/XX/XXXX The one and only charge reversed so far has been {$100.00} to XXXX. NONE of the others have been remedied and I've incurred late fees, excessive interest, and damage to my credit as a result of this. I've been undergoing a medical problem for the last 1 1/2 years that prevents me from speaking on the phone so hence the constant letter writing. I've not had the ability to work so I've not had the ability to use and pay the card, yet because of questionable charges AND Capital One ignoring my correspondence I now have damaged credit and debt that I can barely afford to pay. 

This has gotten beyond frustrating at this point.
Product: Checking or savings account

On Monday, XX/XX/XXXX, my partner transferred {$100.00} from his personal checking account at XXXX XXXX  to our joint checking account with USAA. A few hours after the transaction ( appx. XXXX XXXX   ), I received notification from USAA that I needed to " verify '' the account/transaction. I immediately logged onto my account and verified the transaction as valid/authorized. I never received another notification from USAA after that date/time. On Wednesday, XX/XX/XXXX, at XXXX XXXX  ( EST ) I arrived at our lawyers ' office to complete a closing on our home. I logged into my account at USAA to print out my bank account information to verify that my balances were as reported. At this time, I learned that I was locked out of all my accounts under my profile. When I called the toll free number provided to me with the lockout notice, I received a recording that the bank was closed. This was a typical business day, so I couldn't understand how the bank could be closed. Finally, after 8 attempts to call, I called the toll free number and didn't provide my profile information to the automated system. Now, the nightmare begins. No one could explain why the " high threat alert '' was triggered by an automatic system and not monitored by a fraud alert specialist. No one could explain why I repeatedly received a message that the bank was closed. It took 49 phone calls over two days to resolve the issue! I was promised three callbacks along the way - never happened. There is no accountability, a complete lack of training, and dismal leadership.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an public record/judgement containing an eviction reporting for me for XXXX XXXX XXXX XXXX XXXXXXXX XXXX even though I have never lived there. There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain from corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a Certified Mail Receipt letter : XXXX XXXX XXXX XXXX XXXX to Experian Credit Bureau to conduct an investigation about the opened fraudulent accounts on my personal credit report. I did not opened nor benefit from this fraudulent account. 

The fraudulent opened account is : XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$80000.00}.
Product: Student loan

I recently check my credit report and seen some inaccurate and improper information
Product: Debt collection

Hello this Hospital bill was paid back in XXXX. This debt was sent to me with threats we will ruin your credit calls etc. I thought it was a complete scam. All my Hospital bills from my XXXX Hospital visit have been paid. This is a complete scam. I have NO collections aside from this incorrect item for {$1500.00}. They have told me they will delete it for {$500.00}. Why should I pay a bill I have never seen from XXXX in XXXX? There is something very odd and unethical here. I have requested the original bill that outlines this amount and to date not been given the info. Phoenix Finincial is the name of the company. Please look into this as I am a Tax paying American and your company is supposed to investigate these situations. I appreciate your efforts this is the only collection item on my impeccable credit.
Product: Credit card

I was charged on my XXXX credit card for something that we did not purchase nor did we authorize.. Chase credit cards has been informed XXXX times as to this dispute and it still remains on my credit card and now I owe a late fee in addition to a charge that is fraudulent.. contacted Chase on multiple occasions to get this fixed and it is still not fixed after XXXX  months.
Product: Consumer Loan

Methods of collection calls are in violation of Fair Debt Collection Act. Making numerous calls to non listed references and leaving contact information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you REMOVE the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
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. 

Experian ****** Account name : XXXX Account Number # XXXX Account name : XXXX Account Number # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX Transunion XXXX Account name : XXXX Account Number # XXXX Account name : XXXX Account Number # XXXX Account name : DEBT XXXX XXXX Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX Equifax XXXX  Account name : XXXX Account Number # XXXX Account name : XXXX Account Number # XXXX Account name : XXXX XXXX XXXX XXXX Account Number # XXXX Account name : XXXX XXXX XXXX  Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( XXXX ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
Product: Vehicle loan or lease

I had a lapse of insurance from XXXX - XX/XX/XXXX for about XXXX weeks. The bank added an insurance policy in XXXX and adjusted the monthly payment. I added my own proof of insurance and the monthly payment was adjusted again and lowered to account for the credit. The issue I have is the payment change and interest charged. In the bank statement it shows {$8300.00} total owed before the XXXX  ( insurance ) added. Then {$9400.00} with XXXX, then adjusted with a credit to {$7900.00}. The insurance lapse is only {$120.00}. My payment went from approximately {$530.00} to {$670.00} for the remaining months on the loan, due to mature XX/XX/XXXX. This accounts for {$7900.00} due in XXXX but only paid for from XXXX XXXX XXXX causing the dramatic increase. it's not fair to be charged an extra {$140.00} per month for a one-time {$120.00} fee.
Product: Checking or savings account

XXXX XXXX ( which is Key Bank ) advertised that by opening a Loyalty Checking account and receiving at least {$2500.00} in monthly direct deposits, customers would earn a monthly Loyalty Bonus, with no end date. Recently XXXX XXXX stopped honoring that promise. In XX/XX/year> I received a total of {$2500.00} direct deposits into my Loyalty Checking account ( see attached, showing a {$2000.00} direct deposit on XXXX, and another {$500.00} direct deposit on XXXX. XXXX XXXX itself clearly labeled each as a Direct Deposit, confirmed that the In previous months, I had received at least {$2500.00} of this exact type of monthly direct deposit ( labeled precisely the same way, and received from precisely the same depositor ) in and received the promised bonus, but the bonus did not post in early XXXX. I contacted XXXX XXXX, which said it would no longer honor those direct deposits, contrary to its advertisement. This bait-and-switch is misleading at best, as customers came to rely on XXXX XXXX to honor its own advertisement and its own labeling of deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an acount that is 7 years old and according to the Fair Credit Reporting Act. that acounts that are 7 years or older should be removed. I have deputed this account with Experian Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information can't be verified denied me annual report update Experian credit report they refuse to up my credit score instead keep getting denied credit cards an loan 's due unfair credit report agency illegally fraudulent activity
Product: Bank account or service

I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attached documents, IN ACCORDANCE WITH THE FCRA. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLYG PROTECTED RIHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. ACCOUNT XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIHTS.YGOU HAVE NO PERMISSION TO FURNISH ANYG INFORMATION ON MY CREDIT REPORT. IF YOU DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE, PLEASE DELETE THESE ACCOUNTS. 15 USC 1681 SECTION 602 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTIN AENCIES CAN NOT FURNISH ACCOUNT WITHOUT MYG WRITTEN INSTRUCTIONS. 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agencies make any consumer reporting any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 usc 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATIN TO A CONSUMER Reporting agencies if the person knows or has reasonable cause to believe that the information is incorrect. please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that JP Morgan Chase Bank Auto has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :
Product: Credit reporting or other personal consumer reports

My credit score took a big hit because of these errors being reported on my credit report, this is not just annoying but it has impacted my life and my credit negatively.
Product: Mortgage

I have tried to communicate XXXX point mortgage, unfortunately I have not been successful. I have now received notices that I am delinquent on my loan, which is impossible since I prepaid my loan. 

I received the attached delinquency notice, which is impossible since I have prepaid my loan. My loan was refinanced at the end of XXXX and here are the scheduled loan payments period Mth Payment Interest Principal Date Balance Starting Loan Balance {>= $1,000,000} 1 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 2 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 3 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 4 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 5 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 6 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 7 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} When I received the notice of the delinquency on XX/XX/XXXX, it shows that I had an outstanding balance of {>= $1,000,000}, which is even below what I would owe by XX/XX/XXXX. Attached are my actual payments and loan balances per Shellpoint 's own website. If I have prepaid my loan, how is it possible I'm getting notices of delinquency. This is a gross misrepresentation of what is happening.
Product: Checking or savings account

I had an account with Huntington national bank. On XX/XX/XXXX I was locked out of my account. I called and they told me they were closing my account for high risk. I had some deposits into the account from my XXXX account that day And payroll the day prior. This was nothing abnormal. I was told for two weeks they were sending the instant transfer deposits back to my XXXX which they never did. They keep continuing to lie to me every time I call. I have called and spent several hours on with reps and supervisors. Each time I am told something different. Its been well over 30days I have not been notified at all about the account is being closed or what is going on. I have a positive balance of {$5700.00} that they owe me. I strongly believe they are trying to keep my money as no one will give me solid answers to what is going on. No will let me know when a check is being issued to me. Last week I was told a cashier check would be sent to me this week. Today I was told they arent sending a check to me and back to the deposit account which Im assuming is XXXX. First of all it was an instant transfer so if that was the case 5 wks ago they could of sent this back instantly to XXXX and never did. They keep continuing to lie! No one will talk to me. No one has notified me of anything. I have obligations to take care of and I need my money. This is extremely unacceptable. None of the deposits accounts were new. Everything deposited in my account had deposits several times in the past. I want answers. I want my money. I want someone to work with me and be honest because this bank is doing none of that.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2021 I disputed an unauthorized transaction deduction from my square cashapp account and have not received a response. I informed them of the unauthorized transfer and they will not respond.
Product: Credit reporting or other personal consumer reports

In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is being used improperly
Product: Debt collection

I received a voice mail on my work line, from a woman named XXXX. She said she was with a arbitration group. She said it was regarding a bad check and with the intent to commit fraud. She also stated the last four of my social security number in the voice mail. She stated my salary was going to be garnished or my drivers license was going to be suspended. My daugher then called and said they left the same voice message on her phone. I called the number left. I spoke to XXXX and she stated it was with XXXX XXXX XXXX. I told her I was in the process of filing bankruptcy but she said it did n't matter if it has n't gone to court yet.
Product: Credit card or prepaid card

I was gifted a Visa Gift Card for {$100.00}, purchased from XXXX, which makes it a Kroger Gift Card and I believe it was issued by US Bank Gift Card. In contacting the number on the back of the card, the representatives are unwilling to give me the exact information. The phone number on the back of the card is XXXX. 

When I originally opened the gift card to register it online, I discovered I was unable to register the card. So I then called the gift card company to report this problem. They told me the gift card was already registered, which was a shock to me since I had just opened the card. This happened on XXXX. I was told to fax ( fax # is XXXX XXXX XXXX ) a copy of the card, as well as my driver 's license. I did this and and when following up was told I needed to resend my driver 's license. I re-faxed everything on XXXX. I then called to check the status of the case, and was now told that I needed to provide a copy of the receipt. As this was a gift I didn't have the receipt, but was told that I needed to ask the people who gifted it to me to get me the receipt. In so many words, I was told by a supervisor of the gift card company that this process is designed to make it difficult on the victim so as to weed out people who might be lying. After all this the original purchaser then went to the grocery store where it was purchased and asked the manager to pull up the receipt. It was eventually emailed on XXXX. I am in the process of faxing everything again, plus the receipt. I called the gift card company to see if there was a way to avoid having to fax everything as this was costing me money and time every time I needed to send correspondence. They said no. So far, along with the {$100.00} gift card, plus {$5.00} processing fee, I've spent {$11.00} in photocopies and faxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called Equifax to temporarily unlock my credit file to turn power on with XXXX XXXX. I provided all my information and was verified. I started my service with XXXX energy in XXXX of 2020. When I called back regarding another matter the representative told me that the information that I provided her did not verify my identity. I know that whenever anyone does a credit check with a creditor it automatically updates you name, address and provided information in their system. I am using a public computer so I don't want to provide my social security number. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I made the call to duke energy, I believe, on XXXX XXXX, 2020. I believe someone has changed my information in the system.
Product: Debt collection

XXXX XXXX / XXXX XXXX XXXX XXXX said i owed this amount and it was paid in full and this was not my account as i never lived at XXXX XXXX XXXX. They sold it to transworld system inc and it is still on my credit report this account shoukd not be on my credit report as it is paid in full and not my account please delete immediately as this is not my account thank you.