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

I received a letter fro m Capital One  Bank dated  XXXX   XXXX ,    2017 stat ing  that Capital One  Bank was closing my account due to Principal ow ner ( s ) have  past, present or pending legal action on acct ending  XXXX  which is my personal account. I have contacted this bank and asked them what legal action do I possibly have they would not tell me, I knew I had none pending in any cou rt , county o r anywhere except for a divorce. I told the bank representative that all i had was a divorce but they insisted it was more I searched all federal and state records and even had an attorney look into it and he stated he could find none. Then 2 days later I received a letter dated  XXXX   XXXX ,   XXXX   stating tha t Capital One B ank was removing one of my authorized users from my business account ending  XXXX  because of her past, present or pending legal action even though she is not responsible for this account she is just an employee. Then I received a letter from  Capital One Bank  stating that they were closing my business account ending  XXXX  all together for these same strange reasons of past, present or pending legal action. I have not been charged with any crime or convicted of anything. I have paid these cards faithfully one time and with extremely more money than what was required for the minimum payments du e. Capital One has hur t m y Credit Score b y closing these accounts with balances on them and this sort of action is very unfair and should be against the law. I am including copies of the letters from this unprofessional, inconsiderate bank.
Product: Credit reporting

On XXXX/XXXX/2015, Experian sent me an email after I setup a credit monitoring service provided by the University of California, XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I was notified by XXXX and XXXX XXXX that my private health information had been compromised. 

Experian 's email to me stated that my credit score had recently changed, and that I should visit their website to learn more about the problem When I clicked on the link in the email Experian sent to me, and using the reputation of the Experian brand name, Experian requested that I provide my credit card number for the purpose of " checking my credit ''. Experian then apparently used this information to start a subscription service, beginning in XXXX, 2015, for {$21.00} per month. 

I neither approved, nor intentionally subscribed to Experian service. 

I contacted Experian on XXXX/XXXX/2015, and requested the service be cancelled and two months of " subscription fees '' be refunded. The Experian tracking number for this case is " Dispute and Cancel Membership XXXX 

On XXXX/XXXX/2015, Experian responded to my request via email and declined to refund the previous subscription fees. 

I am therefore filing this complaint. Experian used their brand reputation to start a subscription service that I neither agreed to nor approved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputing resolution process was unfair and deceptive, as they didnt comply with error resolution required under Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have filed a case with experian report number : XXXXThe charged off account was not verified, but only updated. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated.I wasnt provided evidence that the account was verified., so I need the account ( XXXX Account number [ XXXX ] ) removed from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX i tries to apply for a secured card to build credit becaiaw i have no credit at all. capital one system keeps declining me and pulling someone else credit information!
Product: Mortgage

Wells Fargo Bank accepted federal funds on or about XX/XX/XXXX and now denies the funds to be paid to a servicer XXXX XXXXXX/XX/XXXX -- XXXX XXXX XXXXXXXX my loan service on the same day in retaliation- XXXX received the funds. 

XXXX also sold my loan to another Investor without notice to consumer. The XXXX XXXX is demanding the same amount over $ XXXX from consumer in a fraud attempt and added legal fees given to them by Wells Fargo to bolster the mortgage payment from my agreed monthly payment. 

There were NO legal actions tendered by certified mail to consumer -- NO legal fee balances tendered to the federal housing agency on or before to included in the final check was issued on or before XX/XX/XXXX. 

XXXX continued to refuse to provide the final balance due amounts to the federal housing agency then tendered another mortgage statement or or before XXXX after the housing agency paid Wells Fargo to put the consumer in unsustainable mortgage debt. This action was not action agreed upon by XXXX in acceptance of over $ XXXX in funds to resolve and help homeowner to make sustainable mortgage payments. 

XXXX was working with XXXX XXXX XXXX XXXX that can attest to these facts. 

Consumer credit is at jeopardy and request immediate assistance to resolve this fraudulent activity by Wells Fargo. 

XXXX - Wells Fargo modification was applied by consumer XXXX XXXX- Wells Fargo NEVER sent a denial that forced consumer to go to a federal housing agency for assistance. By law consumer should have received a denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband passed away on XX/XX/2020. On XX/XX/XXXX, our Social Security Check, totalling {$1600.00} was direct deposited into our account. Our bank put a hold on the check bc it was issued in my husbands name and he was deceased. I spoke with the Social Security Administration. They advised bc he was alive for part of XXXX. I am entitled to our check in full. They asked that the bank either release the funds to me or send them back to the Social Security Administration and they could issue it in my name. The bank will not do either. They have been holding my funds since XXXX. I have called and e-mailed and visited in person, dozens of times and nobody will help me. I am a XXXX year old widow and that was an entire month of income for me. I have been behind since then and I am desperate for help. I will soon be choosing between rent and medication. Please help me get what is rightfully mine. Chase will not assist me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Auto enrolling people into checking accounts and charging them {$6.00} a month for things not everyone wants and if you want it free you have to meet their requirements of {$1500.00}. A direct deposit of {$500.00} AND at least 20 transactions a month made with your account.
Product: Credit reporting or other personal consumer reports

I sent a opt out notice to some credit reporting agencies because I do not want 3rd party companies having my private information such as financial information, address etc. I haven't received anything back to let me know that they have followed my order to remove my information from their database. This information that these agencies are sharing is preventing me from obtaining personal household good for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide written or electronic consent to Zillow Home Loans, to authorize a Credit Hard Inquire on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following erroneous accounts that are reporting on my credit report ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX with XXXX XXXX and XXXX XX/XX/XXXX, being duly sworn, depose and state as follows : XXXX. I am providing this sworn affidavit regarding inaccuracies in my credit report maintained by XXXX related to the charge-off account No. XXXX. 
XXXX. The information being reported by XXXX and Equifax regarding this account is inaccurate and does not align with the data provided to me by XXXX Bank, the original creditor of this account. 
DISPUTED INFORMATION XXXX. I contacted XXXX Bank to verify the accuracy of the information reported, and they provided details that contradict Experians records : - The charge-off date reported by XXXX does not match the date provided by XXXX Bank XXXX 
- The charge-off amount reported by XXXX is inconsistent with the amount reported by XXXX Bank XXXX 
- The date of first delinquency reported by XXXX differs from what XXXX Bank has on file. 
XXXX. In addition, the handling of my previous disputes by XXXX has been inadequate and raises concerns about whether the requirements of the Fair Credit Reporting Act ( FCRA ) have been met. 
LEGAL VIOLATIONS XXXX. XXXX and Equifax reporting of inaccurate information constitutes violations of Sections XXXX and XXXX of the FCRA, which mandate accurate and complete reporting of credit information and proper handling of disputes. 
XXXX. XXXX and Equifax failure to properly verify the accuracy of the disputed information has caused me the following damages : - Emotional Distress : Significant stress and anxiety caused by the presence of inaccurate information. 
- Financial Harm : Limited access to credit and financial opportunities due to the negative impact on my credit report. 
- Defamation : Damage to my financial reputation caused by the continued reporting of false information. 
DEMAND FOR ACTION XXXX. I demand that XXXX and Equifax conduct a thorough investigation into this matter in compliance with the FCRA. Specifically : - XXXX and Equifax must not rely solely on the findings of furnishers who fail to provide detailed, accurate, and complete results. 
- XXXX and Equifax must provide me with the following documentation : a. A detailed explanation of the method used to verify the account information. 
b. All records, notes, and communications with XXXX Bank regarding this account. 
XXXX XXXX names and contact information of every individual involved in the verification process. 
XXXX. If XXXX and Equifax can not substantiate the accuracy of this account, I demand its immediate deletion or correction as required by federal law. 
NOTICE OF FURTHER ACTION XXXX. In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX and Equifax I remind XXXX and Equifax of its legal obligations under the FCRA. If this matter is not resolved immediately, I will pursue the following actions : - File complaints with the CFPB, FTC, and my state Attorney Generals office. 
- Initiate legal proceedings against XXXX for violations of Sections XXXX, XXXX, and XXXX of the FCRA, as well as seek damages for emotional distress, financial harm, and defamation.
Product: Credit reporting or other personal consumer reports

Bankruptcy was reported on my file without my consent I spoken with someone in the court records it was stated to me that the court doesn't report this to the bureau its a public record and credit bureau add without your consent
Product: Checking or savings account

Fifth Third Bank closed customers Checking account and have not returned funds totaling in {$390.00}. After preliminary investigation by Fifth Third Bank, it was determined the funds have been returned to XXXX  XXXX XXXX via Automatic Clearing House ( ACH ) transactions instead of XXXX as referenced in CFPB COMPLAINT ID XXXX. Fifth Third Bank did not claim the funds back from XXXX  XXXX XXXX. Additionally, Fifth Third Bank and did not return funds to customer.
Product: Debt collection

their charging a hospital bill wich it was paid by insurance and they said i had a diffrent insurance i send them copies of insurance cards and they said its not the right one and i also never recieved a bill from hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported on my credit reports with Transunion as duplicate. I have tried to correct this with the XXXX County Records and with the Credit Reporting Agency multiple times. XXXX  XXXX has sent me copies of their records which list the account only once and an address never associated with my credit history or personal information, and I have forwarded these onto Transunion. Transunion has failed multiple times to correct this error. The two variations on my Transunion report show a discrepancy in the docket number ( one shows letter and numbers, the second shows only numbers ) but they continue to report the public record as two seperate public records. I have asked them to confirm that the record includes all identifying information, but Transunion has failed to provide me with validation. This seems an obvious error but one that also seems a challenge to correct.
Product: Payday loan, title loan, personal loan, or advance loan

I had taken out a loan for emergency purposes, to repay it promptly. However, due to an unexpected additional emergency, I was unable to make my first payment. I promptly contacted the lender via email but was instructed to follow up by phone instead. I subsequently called the representative and explained my situation. Unfortunately, I was informed that there were no available options for me because I had not made my initial payment. As a result, daily interest is now accruing, making it increasingly difficult for me to pay off the loan on time. 

Despite my best efforts, I have been unable to secure assistance with a loan modification that would allow me to make monthly payments. Instead, the daily interest continues to accumulate, making it challenging for me to get back on track. My goal is to obtain a loan modification that would enable me to make regular monthly payments and have the daily late fees waived, with only the original interest applied to the loan. I am eager to find a solution that will help me regain control over my finances and make timely payments on my loan.
Product: Debt collection

In XXXX I had the collection removed for not being valid and all of a sudden portfolio recovery llc re reported the collection as a new open account. They are commingling fraud and are ruining my credit and abut lift to get an apartment. My data had been found in numerous breaches as well as data breaches from all three bureaus as I found while getting my credit report
Product: Money transfer, virtual currency, or money service

Every time I try to log in into paypal, I get a message stating, " Sorry, we can't log you in. If you think there's a problem with your account, please contact us ''. I keep getting orders from XXXX that have money deposited into the paypal account, but you won't let me log in to ship the items. Therefore, you are now stealing thousands of dollars from me. I can't contact you without being logged in, and you refuse to answer your phones. 

You're a terrible worthless company and I'm glad XXXX is moving to their own platform so I won't ever have to deal with you ever again. You won't ever get a single cent from me after this.
Product: Mortgage

BSI is holding my insurance money to repair my home after a large fire. They have put every road block to stop me from getting this money. I'm finally at my last disbursement and we are 2 business days over when my check should have been mailed out ( at latest ). They allow 3-6 business days to process once the funds have been approved to be disbursed. That approval happened on XXXX - I received a call from them to confirm. It is now business day XXXX, XX/XX/year>, and it still hasn't gone out. I have called each of the last three days for information and each day no one knows what's going on. They will not transfer me to a manager. They tell me that they have requested a manager to call me but I've never received a call back three days in a row. This check is for over {$100000.00}. This company is profiting off others ' misfortune and should be punished for doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Bank Of America Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my XXXX credit file on XX/XX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.
Product: Credit card

Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.
Product: Debt or credit management

My credit is flunctuating after having a a limit which is violation of my rights after having a credit limit available, there should be no reason have my credit limit fluctuating once have an available amount with XXXX XXXX  my pay account with chime, Using my employer pay period as an credit offer to be available in my account. This is like having {$500.00} available credit on my account with XXXX XXXX  and next 4 days they remove that limit and decrease your limit. Thats what chime is doing. My credit limit shouldnt fluctuate between pay periods and still remain the same of a decreased balance of original {$500.00} limit after pay period.
Product: Bank account or service

Signed up for Citigold XXXX bonus back last year. The fine print of the promotion stated that XXXX points would be credited to my account if I met the qualifications. I opened the account, completed the requirements ( {$1000.00} debit spend, XXXX bill pays, etc. ) and confirmed on the phone with an agent that my account would soon be credited. 

Several months later I still had not received anything from Citi, despite having completed the promotional requirements and confirming over the phone with the agent that I had done so. Another phone call to Citi resulted in an agent once again telling me that I had completed the requirements and the points should post. 

After another month of no points, I was getting very frustrated. The bank account was $ XXXX/month, more than I would normally spend on a bank account, but the promotion and the benefits made it worth it. After calling in for a 3rd time to confirm, I was told that there were no past communications or points that were coming my way. Extremely frustrating since representatives from the same number told me otherwise. 

I recently closed the account, which actually resulted in the institution downgrading me to the basic account, and charging me $ XXXX/mo + {$34.00} overdraft fee since I emptied the account when calling in to initially close it. I am incredibly frustrated and have spent so much time and effort speaking with representatives and moving money around.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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! 

15 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 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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