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

My dispute is with Capital One Bank XXXX XXXX who services my credit account for Saks Fifth Avenue XXXX. I had purchased items in XX/XX/2022 which were later returned the same month within the stores return policy however, Capital One is not honoring the return to the extent of the minimum payment due and has increased my minimum due per the computer system recognizing that I still hold the merchandise thus making me owe more in a minimum payment. 

I have had numerous calls with agents in the customer service depts at Cap One and no one has been able to resolve this matter correctly. My first attempt which was through the Saks customer service team who tried to assist was able to get the minimum payment corrected but I was also on a deferment at the time. The next billing cycle on the monthly statements show a gradual decrease but is nowhere what the minimum payment was before I made these purchases which show on my XXXX statements and now XX/XX/2022. 

I have provided all statements from when I just made the purchases to where the credits were later posted on my account and the minimum payments were never correctly adjusted. I have been told that if my minimum payment was not collected for {$820.00} which I can only pay what the previous past due which was originally in XX/XX/2022 payment that I would be reported to the credit bureaus as 30 days late. I have come to you for assistance and reporting this mishandling of billing since I am unable to resolve this amicably while having the threat of my credit history and file being compromised due to their inability to fix the minimum payment issue.
Product: Checking or savings account

I WAS BANKING WITH XXXX XXXX XXXX XXXX, XXXX, ON THE SAME BLOCK I LIVE ON. BUT SERVICE WAS SLOPPY AND AT OTHER BRANCHES THE CASH COUNTING MACHINE WAS UNPLUGGED AND IN BACK AT THE XXXX BRANCH. 

I RECEIVED A {$300.00} OFFER TO BRING MY CHECKING AND SAVINGS ACCOUNTS TO CHASE, IN XXXX, CA. 
I WENT TO THE BANK AND A YOUNG TALL XXXX MAN SIGNED ME UP. HE FORGOT TO TRANSFER MY ACCOUNTS FROM XXXX XXXX XXXX XXXX, SO I HAD TO ASK THE CHASE BANK OFFICERS FOR DAYS AFTER. 

AFTER MONTHS, I ASKED IF THE {$300.00} WAS EVER CREDITED TO MY ACCOUNT. I WAS TOLD ONLY {$200.00} WAS CREDITED. 
THIS FRAUD IS UNACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the Equifax data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA
Product: Credit reporting or other personal consumer reports

Ive been going back and forth with the credit bureau XXXX, XXXX, Equifax, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is XXXX XXXX XXXX accounts that arent mine and XXXX XXXX account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.
Product: Money transfer, virtual currency, or money service

On Saturday XXXX XXXX a man sent me money through his phone via ZELLE at my place of work. Three transactions in total. He claims he didnt authorize payment & filed a claim towards my bank escalating to my bank account being closed abruptly causing me SERIOUS distress. My work place has video footage of man sending money to my phone at exact time transaction was placed aka I have a whole lot of proof & witnesses. My bank didnt verify me of closure, didnt even ask for my side of the story just honored this mans story which is fraud. 
Bank closure included me losing all of my current funds. My friend sent me {$3000.00} for an upcoming XXXX I have on XX/XX/2024 & that is gone from my account completely.
Product: Consumer Loan

ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity.
Product: Debt collection

Can you please remove the Navy Federal CU credit card which is not mines.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( XXXX5 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Mortgage

I was on a 3 month forebearance for XXXX XXXX XXXX XXXX  I called before XXXX to get an extension of the foreberance ( which is allowed by my investor ) and the representative told me to call back in after XXXX XXXX 

On XX/XX/XXXX, at about XXXX XXXX I called and requested an extension and spoke to a XXXX XXXX who told me I would get a letter in 3-5 days. 

I told her the first time they put it in the computer and I was given the answer while on the phone and then I asked to speak to a supervisor. 

She then stated she would take my information and have a supervisor call me back in 24 to 48 hours. I asked was anyone available and she sort of laughed and said no one was on the floor. That little laugh was very offensive. 

Her lack of urgency in providing needed assistance due to a hardship was incredible. 

I was told all I had to do was call back in and then I had back in.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 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 identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I do not know who this is or what debt this is. Today they called my mother, who I have not lived with or near in 31 years. There message stated that he was XXXX XXXX with XXXX, XXXX. Claimed he left a message with the superintendent of the city XXXX  ( I'm a XXXX ). Claimed he had sent a registered letter, but it came back. I never received anything. I do not know who this is or what debt it is supposed to be. 
He left personal information with my mother and possibly my employer.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Fraudulent Accounts and Notice of Non-Compliance Under FCRA XXXX XXXX Dear EXPERIAN I am writing to formally dispute multiple fraudulent accounts on my credit report and to notify you of your obligations under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently without my authorization, and I am requesting their immediate removal from my credit report under my rights established by the FCRA. 

Additionally, I am invoking FCRA Section 1681o, which outlines your civil liability for any negligent non-compliance in investigating and resolving disputes. Failure to remove these accounts in a timely manner could result in legal action for negligence. As established in the Experian lawsuit ( Banneck v. Experian Information Solutions , Inc. ), credit reporting agencies are held accountable for non-compliance with the FCRA, and this case further underscores the importance of fulfilling your legal obligations.

I am requesting the following : The fraudulent accounts listed above be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter and supporting documentation. 
Written confirmation that these accounts have been removed, along with an updated copy of my credit report. 
A detailed explanation if you determine not to remove the fraudulent accounts, as required by the FCRA. 
For your reference, I am providing the following supporting documents : A copy of my government-issued ID ( drivers license ) Proof of address ( utility bill or bank statement ) A copy of the identity theft report filed with [ Law Enforcement Agency Name or FTC Report Number ] Failure to comply with your legal obligations under the FCRA will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for damages caused by your negligence. 

If you require additional information or have any questions, you XXXX contact me at XXXX or XXXX. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This is/was a debt with XXXX XXXX. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXXXXXX XXXX & I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  XXXX, for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX 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 a account without my written instructions
Product: Checking or savings account

My current employer ( XXXX XXXX XXXX ) submitted my direct deposit on Friday morning, XX/XX/XXXX. While speaking to a Chime customer service representative, they stated that if the check was deposited before XXXX Friday ( XX/XX/XXXX ), I should then receive it by the end of the day Saturday ( XX/XX/XXXX ). It is currently Sunday, ( XX/XX/XXXX ) and I have yet to receive my direct deposit. Chime ( XXXX XXXX XXXX XXXX ) posted publicly yesterday on XXXX that they were having issues with a third party company that processes payments, and then stated that Chime had received the data from the third-party for deposits from Friday and were processing them. But here we are Sunday still with no deposits and no clear answer on when the deposits from Friday will be deposited. I reached out to customer service on numerous occasions since the tweet, and they either refuse to acknowledge that they are having an issue, or claim that my employer has yet to deposit the money into my account ( which is a lie because every co-worker at my job that does not bank with Chime already received their direct deposit Saturday morning. At one point, one of Chime 's reps stated that my employer might of deposited my check last or late, which makes no sense whatsoever since the state of NJ issues our checks. Once I provided a screenshot of the tweet, they then admitted to having issues with a third party processing company. Not only are they lying to their customers, they are also withholding our money without a clear and proper response. I have no clue if and when I'll receive my direct deposit, and because of this I am now experiencing late fee 's on most of my bills ( since most of my bills fall during the beginning of the month ). I live paycheck to paycheck and this is making a huge negative impact each day I go without money in my account.This is completely unacceptable and I feel I should be compensated for the lack of effort by Chime.
Product: Checking or savings account

The issue is that Truist locked me out of my account because of suspected fraud activity. 
All I can do is view my available balance which still reflects that the {$10000.00} are available. 
What caused the still ongoing issue but was of no fault of my own, the person that wrote the check or ( from what I gather ) the institution that the check came from ( XXXX XXXX ) was that I deposited a {$10000.00} check via online banking that has shown available for about a week now. The person that wrote the check ( my wife ) logged into her account and showed me in real time how it had been debited from her account for days now. Also, she called XXXX XXXX and they say all is fine at their end with the check, Yet, I have called Truist fraud department many times and was only able to get through once after over a 1 hour wait. Then the Truist fraud department representative said that because my account is ongoing a fraud investigation I will not have access for up to 2 weeks. I explained everything to her but she explained that this was policy and that there was nothing she could do. I asked to escalate the matter and to speak to a supervisor and she said she couldnt do neither. I have called many times again since then and Im either disconnected after waiting a long time or on Q for over an hour or more until I finally give up and hang up. 
This is causing me financial hardship and its only due, from what I gather, because of Truist having internal issues with my transaction. 
Thank you so much for your attention to this matter.
Product: Debt collection

I do not have a nordstrom account. I never had one. I do not know how this happened or why? I did not or have not applied for a Nordstrom credit card. 

I received a letter from XXXX XXXX XXXX  Reference number XXXX Claiming I owe {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is an elaborate mechanism under federal law and is supposed to operate under the FCRA. In fact, they have violated me under the FCRA in numerous occasions regarding a fraudulent inquiry on my report. They did not meet the specific time required to verify disputed item according to the FCRA and willingly refused to remove the unverifiable inquiry off of my reputation causing me severe harm and anguish. I was denied credit when i wished to extend my credit and i was denied a loan amount because of their inaccurate and unverifiable reckless reporting without my written consent. Now they have deleted said fraud inquiry off of my reputation which is admission but have failed to pay me remedy under 15 USC 1681n and 15 USC 1681o and are responding to me as if they have no idea what i am talking about, I feel lack of confidence in the banking system, i feel hurt, XXXXXXXX XXXX XXXX, lack of focus in my day to day life causing me XXXX XXXX daily because of the violations of EQUIFAX on me the consumer and original creditor. Below are the case numbers to this matter they are trying to ignore : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir/Madam, My initial CFPB complaint ( CFPB Case XXXX ) was in regards to the late fee ( s ) being more than {$8.00} and the resolution requested was an adjustment to reflect {$16.00} in late fees instead of {$82.00}. 

Instead the response I received is that the late fees can not be " removed ''. 

I have attached my initial complaint with attachments and response from Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Experian sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my account right away. 

XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

The same day that I got paid for some reason XXXX or Wells Fargo let a ghost account XXXX all my money out of my account t and savings basically leaving me with a overdraft account and no money for my bills