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

On XXXX XXXX i made a mobile deposit to Capital One Bank and received an email saying the deposit would be placed on hold until XX/XX/2023. I understand the process of letting the funds clear to ensure the check was good. I did not receive any other notifications. On XXXX XXXX I call customer service and ask when the deposit would be available and was told the check now looks suspicious and would not be released until XX/XX/2023 at XXXX XXXX. They then tried to call to person who wrote the check and did not get an answer. This person should not have to justify themself to my bank for any reason. I am now without my money for 60 days because of some person at the bank. I tried to cancel the deposite and they would not let me. I did not ask them to trust anyone, they had enough time to clear the check thru the other bank. Other than some XXXX handling the account i can think of no reason to withhold this check if it has cleared. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I contacted Capital One by telephone after finding a fraudulent charge on my card, a cash advance in the amount of {$300.00}. They closed my card and sent me a new card. They issued me a credit in the amount of {$300.00}. Two days later on XX/XX/XXXX I discovered Capital One had reversed the credit and put the charge back onto my account. 
They did this without contacting me and without investigation. Please see attached Statement of Fraud Affidavit. Capital One has not responded. This was a charge that I have no knowledge of, and was not made by me. Capital One simply summarily denied my claim without contacting me or investigation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. I expect transparency, reliability, and prompt action in addressing such matters. 
However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out dispute letters reporting several negative accounts on my credit report that do not belong to me. It has been well over 30 days since then and I have not received any results back from the bureau. This is a violation of my credit rights.
Product: Money transfer, virtual currency, or money service

Calls about cash app that I do not have. They ask everyone to call XXXX - please put a stop to this fraud.
Product: Consumer Loan

Santander has provided me with false information through out the life of this loan. I have verbally requested that Santander put the money paid towards the principal a total of 45 payments of XXXX. I am not knowledgeable to finance and feel take advantage of at this point. The cash price of the vehicle were XXXX. I was financed XXXX. 
Today I communicated with a Santander representative via chat and she refused me and I had to keep asking when finally she informed me since the account was now delinquent that the payment would not and could not be credited towards the principal which is what I wanted all along. After she would not cooperate with me I called back and spoke with a representative that stated she would put in the request to put the payment of XXXX towards my principal as I paid XXXX today online. 

Santander has told me things like I has to make 3 payments to have payments applied to principle well I am well over three payments. the interest rate that I did not notice is XXXX percent .... I am a woman and not savvy, although some might me with such things
Product: Bank account or service

To give you some background on our complaint, I opened a checking account for our then XXXX-year-old son in XXXX, which was attached to my account. 

On XXXX XXXX, XXXX, our son was a victim of fraud. Someone whom he does n't know was able to cash XXXX {$1400.00} checks totaling {$2800.00} which caused a negative balance on his account. Keep in mind, our son has never had a deposit in his account over {$200.00} at any one time. I found out about it on the evening of XXXX XXXX, XXXX, when I checked my balance and surprisingly saw a - {$2800.00} attached to his account. When I contacted customer service on XXXX XXXX, XXXX, I was told that he signed the XXXX checks and received the funds. Our son did n't know anything about any checks when I asked him. He did n't receive any proceeds from the checks. We also filed a police report on XXXX XXXX, XXXX. 

I spoke to numerous customer service reps in the fraud department in XXXX and no one would file a complaint. I asked if they checked his account prior to processing the check and why was n't a hold put on his account while the checks in that amount were investigated. I was told that the bank has no way of knowing if a large deposit will be made, so therefore, they processed the checks because his signature and ID were used to cash the checks. Our son was nowhere near wherever the checks were cashed. I asked for the footage at the ATM ( which is where I was told the checks were cashed ) be examined at the time of the withdrawal ... no response. I requested a copy of the checks. Once I received them, the XXXX checks had XXXX different signatures on them and neither XXXX is our son 's. 

About XXXX, I 'm thinking on the evening of XXXX XXXX, XXXX, I spoke to XXXX in the fraud department who again informed me there was nothing the bank would do. I told her I received the checks and the signatures were not our son 's. She was reading notes from previous conversations between me and the bank and our son and the bank. When I asked her for a copy of the notes, she told me they could n't be sent to me. When I asked her why, she stated due to privacy issues, they ca n't be sent. It 's my account ; what privacy issues are there if I 'm asking for the notes on my account? 

On XXXX XXXX, XXXX, I finally thought I reached someone sympathetic enough to at least file a complaint. The rep, XXXX, had me thinking she was filing the complaint and it would be investigated. Unfortunately, she did n't give me a complaint number and I did n't ask for one. I decided to give it a couple of weeks before I called back for the status only to find out there was no complaint filed. More walls went up. 

We finally got frustrated because we will soon be contacted by the Recovery Department to start paying on this balance. We decided to contact XXXX for assistance. We were advised to file a complaint with the XXXX, the Georgia Banking Commission and send a letter to Bank of America 's CEO. So, we are doing all of this simultaneously.
Product: Debt collection

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion
Product: Payday loan, title loan, or personal loan

Applied for a refinance loan through lending club to replace a higher interest rate loan I already had with them. The amount requested was the same as the balance on the existing loan. The loan was denied for the reason : application incomplete - unable to verify physical address. 
I don't know what their steps are to verify an address but they never inquired of me for any proof. I live at this address so I know it exists. 
I suspect they denied the loan since they wanted to maintain the high interest rate.
Product: Checking or savings account

XXXX Navy federal charged me XXXX dollars for over draft fee and for not having the money in the account
Product: Debt collection

This debts was already result in identity thief and was remove of my report I already rent to the local police already about this the fist company that had this debt was ncc business I made it known to them that I had no dealings with the XXXX XXXX XXXX and after investigat they deleted the account and now this new company pop up with the same thing
Product: Debt collection

I received the copy of the Loan Note and Security Agreement. Although I recognize the language requiring the Guarantor to guarantee the business loan, this Loan Note and Security Agreement does not reflect the loan application that I submitted or my repeated conversations with the US Bank loan officer. I asked him several times about any personal guaranty since I was unwilling to guaranty the loan. He responded it was for informational purposes only. I thought it was unusual but signed anyway. 

Additionally, I must have signed by e-signature that didn't allow me the opportunity to fully review the Loan Note and Security Agreement, which as previously stated, did not conform to the application or my conversation with the loan officer. Furthermore, I am a married man and was married at the time of the Loan Note and Security Agreement. As you can see, my wife did not sign the Community Property Consent. Moreover, she was never asked to sign and if she had been, I would have known this was a signature for personal guaranty. 

I firmly believe that the loan process underlying this Loan Note and Security Agreement to be unfair and fraudulent. Using an e-signature on a {$50000.00} business loan without a full opportunity to review the loan document that requires a personal guaranty when the loan officer responded that there is no personal guaranty and without request for signature by the purported guarantor 's spouse is unfair and fraudulent. I request that I be removed from this loan as a personal guarantor based on unfair and fraudulent loan processes and lack of knowing consent to the guaranty by me and lack of consent whatsoever by my spouse. If I am not removed as a guarantor, I will take legal action to contest this unfair and fraudulent loan process and seek all damages beyond removal of me as a personal guarantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried calling XXXX, XXXX  and also Transunion to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

Transunion has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Product: Payday loan, title loan, or personal loan

They would not let me pay my loan off 2 days before the next payment plus there were substantial fees that were not made aware to me or misleading. Not only can you not understand the people in customer service but they are very misleading. Was told I needed 24 hours minimum to pay full loan off before next payment was taken directly out of my account. I called two days before that and they would not let me pay my loan off until a payment was taken out. This way they could build up more interest and make more money since none of the payment goes to principal. I dont know how they get away with this, predators picking on the poor is whats happening and just because its a Native American tribe the government cant do anything about it. These places need to be shut down and people need to be more educated about these establishments, including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The JP Morgan/Chase statements were not being sent to our new address. We moved from XXXX XXXX to XXXX XXXX, MO. We notified them via mail and they did not respond. As a result, we could not pay the bill. We then decided to reestablish our mail box in XXXX XXXX because we were not getting our forwarded mail. That is when we finally started getting the statements and realized they had not been paid. Even when I called JPM/Chase, they still had the address wrong. They are currently reporting this as an error on my credit.
Product: Debt collection

To my knowledge this debt was paid/settled in my bankruptcy back in XX/XX/XXXX. I initially received a judgment for {$1600.00} before I entered into the bankruptcy. After it was dismissed in XX/XX/XXXX I never heard from Barclays on  this debt again. I sold my house in XX/XX/XXXX and found out that they had put a lien on my house. The title company sent multiple faxes, emails and made daily phone calls for weeks trying to get an payoff amount to settle the debt. I sat on conference calls with the title company and Barclays myself, trying to get a simple payoff amount. They still wont give us one. Because of this they had to hold $ XXXX of my return. I am told that I wont get my money back until this lien for {$1600.00} is settled. Its been 2 weeks since we closed and still have not been able to get an official payoff from Barclays. I am frustrated that this was put as a lien in the first place. They never sent a letter to me or called. I am reaching out to them to settle a debt that I believe is invalid and yet still cant get any response.
Product: Debt collection

CENTRAL STATES RECOVERY C/O XXXX XXXX XXXX XXXX XXXXBOTH PARTIES WERE NOTIFIED/RECEIVED NOTICE ( HAVE CERTIFIED MAIL RECEIPTS ) IN XXXX OF THIS YEAR AND AGIN IN XX/XX/2021 TO CEAST AND DESIST COLLECTION ACTIONS FOR MEDICAL DEBTS BELONGING TO MY ADULT SON WITH WHOM I HAVE NO CONTACT. 

THEY HAVE BEEN GIVEN THE CORRECT NAME AND ADDRESS VIA PHONE SEVERAL TIMES AND HAVE REPEATEDLY SENT BILLS TO COLLECTIONS IN MY NAME IN SOCIAL FOR SERVICES I NEITHER RECEIVED NOR AM FINANCIALLY LIABLE FOR CAUSING HARM TO MY CREDIT WHILE I HAVE TO TAKE TIME TO DISPUTE. 

THIS IS NOW VERIFIABLE HARRASSMENT AND THE ENTITIES NEED TO HAVE ACTION TAKEN AGAINST THEM AS THEY ARE CAUSING DOCUMENTABLE HARM TO MY FINANCES AND WASTING MY TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been manipulated and tormented by a sales rep on XXXX XXXX XXXX XXXX, without my consent my credit was checked inaccurately and unlawfully. I've told him multiple times to not check my credit. The next following day my credit report has taken a hit with a hard inquiry. I've called the company and also the manager nothing was resolved. They've also appeared on my credit previously on XXXX XXXX  without me knowing. It's now getting annoying and insulting to me as a consumer. This must be deleted from my reports immediately.
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 U.S.C 1681. 

Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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

There is information on my credit report that I need to change. I have tried to contact Experion but the automated system will not allow me to talk to a live person. I have tried different numbers recommended by other websites, but the system still refused to allow contact with a real person.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX : {$7500.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service

Subject : Urgent Request for Assistance, RE : PayPal Dear Madam or Sir, PayPal will not return {$1500.00} to me that rightfully belongs to me. On XX/XX/2018, I accidentally transferred money from my XXXX XXXX  account to PayPal. I intended to transfer money from my husband 's account in another bank. Now PayPal will not let me transfer my money back into my account. 

The issue is that PayPal requires me to have a US mobil phone number to verify my identity. But because I moved permanently to XXXX I cancelled my US mobil account and now have a XXXX XXXX phone that PayPal 's security system will not accept. PayPal so far will not accept any other form of identification although I have provided my passport to PayPal. 

Over the past month and numerous phone conversations with PayPal the situation remains that PayPal has to override its security algorithm to allow me to regain possession of my money from PayPal. Meanwhile PayPal collects interest on my money in its bank account Im assuming ( while claiming not to be a banking service ) and refuses to return my money to my US bank account. It must be noted PayPal had no problem transferring my money from my account to PayPal. 

PayPal said it needed to update my PayPal account when I moved to XXXX, but I did not anticipate the Catch-22 kind of situation that has since occurred. I was advised in the last conversation with PayPal on XX/XX/2018, that the only way PayPal will return my money is if I return to the US and open another mobil account to verify my identity, a solution that is totally unreasonable and financially prohibitive. 

I hope your office will be able to assist me in this matter.
Product: Credit card or prepaid card

I upgraded my Gold card to a platinum card by using the offer I received in the mail which was for XXXX reward points. I had a RSVP code of XXXX XXXX XXXX XXXX and a call in code of XXXX. I called in to make the upgrade and was assured that the reward points would be applied. You can imagine my surprise weeks later when the points were still not credited to the account. I called in and opened a case and they have not resolved it after 8+ weeks. They said that they can not find a copy of the letter that they sent me with that offer code. thankfully I have it ( and uploaded it and the name of the rep I spoke with and their extension number ) that links that code to me. This is unacceptable. Clearly a bait and switch. I remember seeing online the promotion for XXXX points if you upgraded as well. It should NEVER take 8 weeks for them to fix their mistake and four calls to supervisors to inquire as to the status and to fix their mistake. 

There are dozens of similar stories online about reward points just magically never getting credited to peoples accounts and the struggle with Amex to get it fixed. Someone needs to hold this company accountable for their business practices.
Product: Debt collection

15 USC 1692c is a fair debt collection law that prohibits a debt collector from communicating with a consumer in connection with the collection of any debt without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 

I have a collection from midland credit for {$2000.00} and I haven't received any confirmation that I owe the debt. 

I'm asking for it to be removed as the company has not followed any FCRA guidelines or regulations.