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

I noticed that {$400.00} was missing from my account. I was trying to transfer funds to my other account and was told the amount was unable to be transferred due to insufficient funds. I transferred {$1000.00} to that account and know for a fact that the money was there. When I called and spoke to a representative and then asked to escalate to a supervisor, someone named XXXX told me that it was an automated collection. I do not owe anything through or to the bank. When I demanded my money back, she asserted that they had every right to take my money although it is not my bill. Fraudulent activity that I reported and they refused to rectify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by Pennsylvania Auto Credit is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$6800.00}, {$3500.00}, {$6200.00}, {$14000.00}, {$20000.00}, {$3100.00}, {$7500.00}, {$0.00}, {$11000.00}, {$12000.00}, {$14000.00}, {$0.00}, {$1600.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

11. XXXXK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

13. XXXX XXXX XXXX  XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have notified BOTH onemain AND XXXX  multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both Onemain and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also 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 convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX ACCT # XXXX
Product: Checking or savings account

In early XXXX i opened an account with Chase Bank using their {$200.00} coupon. The terms state that if you open an account and set up direct deposit, youll receive a {$200.00} bonus within 10 days of that direct deposit. 10 days from my direct deposit was last Friday, XXXX XXXX. When i still hadnt received the bonus on Tuesday, i went into the branch on XXXX XXXX and spoke to the branch manager XXXX. She apologized for the inconvenience and said she sees that i met the requirements and that she would manually deposit the money into my account ; that i would see the funds in my account the next day and that she would keep an eye on the account to make sure i didnt receive a double deposit. So the money was supposed to be in my account yesterday. When i didnt see the money i called the branch and asked to speak to XXXX. She told me she never said Id have the money yesterday ... which i know for a fact she said that ; my boyfriend was with me and said the same thing. She said that i would have to wait 10 days after my NEXT direct deposit ... which isnt happening until NEXT Friday. So today i called customer support ; they kept me on hold for over half an hour ... .then told me there was nothing they could do ; that i would have to wait the extra 3 weeks before receiving the bonus. I made payments expecting the {$200.00} to be in my account last week. Now i have {$1.00} to last until next Friday. The 3 people i spoke to in customer suppprt were rude and condescending. I asked them to please look at the dates of everything and credit my account for the funds that were supposed to already be in there, and they were rude and said Id just have to wait. Now Im being told my only option is to go into the branch and speak to the manager again ... .when the manager already lied to me about when the funds would hit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had the care credit card since 2009 and have been charged interest. 
I have not received the refund claim form from care credit. Is there any way Ican receive one?
Product: Credit reporting

I am unable to place a temporary credit lift on my frozen credit file online with Equifax.com. I am attaching a screen shot indicating that my credit file can not be referenced on equifax.com. I am also unable to place a temporary credit lift using the Equifax automated phone system. I have tried to contact the Equifax customer service and web support help desk without any luck. I am effectively being forced to call-in on the phone in order to temporarily life my frozen credit file. This is unacceptable.
Product: Mortgage

I have filed bankruptcy and it has been dischraged, i had my XXXX mortgage in the bk and they are still harassing me. I have told them multiple times that my bk has been dischargedbut they still keep calling all day long
Product: Credit card or prepaid card

In XXXX of 2020 I paid off my XXXX XXXX credit card only to find that Commenity Bank assessed fees they have never assessed before so that it could not close. After 2 months they called me with a new balance which I paid half of, even though, again, they were fees that were purposely assessed based on my desire to close the card. I have read a myriad of platforms that suggest this is a predatory process implemented during the Pandemic when XXXX  XXXX itself was closing and going through bankruptcy. This single action and my fight to rid the excess of fees has caused my credit score to decrease XXXX points in 3 months. I have received hundreds of phone calls for now another 2 fees assessed that still equate to below {$100.00}! This is predatory behavior against consumers during a time when our country is in crisis.
Product: Debt collection

Daughter was placed as POA for my Father from XXXX. During this time, debt was accrued in my Father 's name by use of his SSN. He was hospitalized during times that funds were misappropriated. Father and I ( son, his current POA ) have already had to go to court with this law office over another debt committed by the Daughter in question. Collection law office employs attorneys who have been disbarred multiple times as well as those who send letters claiming that my father has made requests to obtain balance. All false, concerned, I called in to verify that this was fraud similar to what took place last year. Debt collector was rude, misinformed and disclosed vital information about my father without my or his permission only to let me know we are not being sued. When told we were not being sued, then 'why the harassment ', I asked. To which they responded, unless i have an attorney they recommend we end the call as we have reached an endpass.
Product: Payday loan, title loan, or personal loan

On XX/XX/19, i did a balance transfer from my XXXX XXXX to Citibank. On XX/XX/19, XXXX XXXX said the check that was sent to CITIBANK has been chased, however Citibank kept on denying receiving a check. On XX/XX/XXXX, i called Citibank to find out why my payment hadnt been applied to pay off my loan and they claimed they never received a check and asked me to send the front and back of the check that was supposedly cashed. On XX/XX/XXXX i received the check from XXXX XXXX and faxed it over to Citibank. 
Today is XX/XX/XXXX and I still havent heard anything from Citibank. 
I made this payment to close and payoff my loan so i dont have to make any payment on XX/XX/XXXX. This is ridiculous and i am extremely upset. 
They will try to collect a payment from my account or charge me a late fee or report a late payment to the credit bureau, thereby damaging my credit
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item 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 or other personal consumer reports

My name is XXXX XXXX XXXX After reviewing my consumer report i found some errors and false information on it. I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following name be removed from my consumer report : XXXX, XXXX, XXXX Also Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following employer be removed from my consumer report : Local Union XXXX My employer is : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX Thank you in advance for changing my consumer report
Product: Credit card or prepaid card

I received an email form hunting bank, the email stated that I was prequalified so I applied but was denied, I would nor have applied if the email had not said that I was prequalified so this hit my XXXX XXXX. I feel the use of 'prequalified ' was misleading
Product: Credit reporting or other personal consumer reports

The following accounts are still showing on my credit, I have filed an FTC report and so far the bureaus have not deleted this erroneous information, the accounts are as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am sending a copy of an FTC report which I already sent to the bureaus to no avail and a copy of my license and social.
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/year>. Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-XXXX ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$500.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on Account Number : XXXX
Product: Money transfer, virtual currency, or money service

This group of scammers ( claiming to be from LendingTree ) reached out in the afternoon claiming that I was already approved and guaranteed for a {$2000.00} loan, but that due to my poor credit score I needed to send them back the money they would send me first. They had me electronically sign and send back a PDF document agreement of their process via email, then they used my XXXX XXXX account information and credentials to file claims to rack up {$2200.00} in payment reversals. They then asked me to send them that {$2200.00} via XXXX XXXX, after which I would be on a brief waiting list to receive the {$2000.00} loan in my bank account before the end of the day. These scammers have my SSN, my drivers license number, and even my signature.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I received a letter from a creditor I have by the name of Synchrony Bank ( XXXX XXXX XXXX ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my XXXX credit report. I immediately called Synchrony Bank at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every XXXX months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /   2017  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) a nd the clients right to counsel.
Product: Credit card

I received a XXXX from Bank of America regarding a check for {$12000.00} they sent me in XXXX of 2014 as repayment because they violated the SCRA on my credit card account while I was deployed. Upon receiving the check last XXXX, I verified with BOA that the check was legitimate and asked what it was for. They said they were repaying my interest on my credit card account that I had over payed due to their error. Now I have received a XXXX for a different amount, {$9000.00}. I spoke to a representative this morning and she claimed this amount was the real amount of the overpayment and that the difference between the check and the XXXX was something akin to restitution. She said the difference was nontaxable, but the portion recorded on the XXXX was taxable. According to her, the XXXX amount was credit card interest I paid while deployed. This is fraudulent however, because I already paid taxes on that amount when I included it as primary income from the XXXX when filing taxes. They are offering no further help.
Product: Credit card or prepaid card

I closed a XXXX XXXX credit card over two years ago, but it looks like I just closed it in the last month, which is inaccurate. I decided to close the card due to redundancy & less use, so I went through the process online with the website, and assuming the messaging was accurate and logging data I never even had to call to speak to someone, assuming the XXXX XXXX the brand propagated was accurate. 

I just confusingly learned from an auto-generated email about my account address being changed a.nd officially finally cancelling successfully, with a human being to confirm and everything. There 's a ~6 month gap of any communication to me regarding my card, thus indicating data loss likelihood and supporting my assertion that the card had been closed properly. I recall that the website was undergoing massive tech changes/updates/bugs during that time, so this mixup and any record of the event is only strongly supported by the subsequent 2.5 years of inactivity and {$0.00} balance. Regardless, the company told me they could n't file anything to resolve it internally or on my behalf, and informed me I would have to submit this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX