23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  and Capital One/Walmart , has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose. 

Dates XXXX XXXX Credit card : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One/Walmart : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2020
Product: Checking or savings account

I left my job and was issued a check for my pension contribution. I deposited the check into my account and a hold was placed. I inquired days later and was advised they believed the check was fraud. I contacted my previous employer they advised the check was not fraud and cleared on XXXX and Chase has the money. 
Chase refused to release the money alleging the paying back cant be contacted meantime my former employee has verified with the paying bank that the check cleared and Chase has been told that on a few occasion. I would like my money released
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a fraudulent inquiry was made for a credit account at Chase Bank. I have called Chase repeatedly to let them know this application was fraudulent and asked for the inquiry to be removed from my credit reports. Each time I have called I have been told it will take up to 90 days for the inquiry to be removed. My first call was on XX/XX/XXXX. That is almost 5 months ago. The inquiry is still on my credit reports. 

Please contact Chase Bank and ask them to remove this inquiry from my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/ 2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Checking or savings account

I have several accounts with Navy federal for business and personal use. I have had several incidents regarding fraud and they never seems to do a accurate investigation. I honestly believe I was messaging with XXXX. I not to long ago received new debit cards and weeks later my account were popping up with so many unauthorized charges. I reached out to Navy federal and filed dispute for the two separate accounts. I did receive a provisional credit to both accounts and 2 days later it was reversed back out of my account. I called Navy federal back to speak with a representative who stated it was nothing she could do and advised me to file a appeal. I filed a appeal and was barely getting a response, I was also told there wasn't a live person I can speak with regarding the matter. I also explained to the representative the charges that were un-authorized were some companies I did business with in the past and since receiving my new debit cards that I never gave them my new card numbers and was very, very concerned in how they have my new information. The representative went on to say that XXXX has updated there system and as a courtesy to customers whom have bill pay, XXXX automatically updated new new information. This comment had me very confused and frustrated as I explained to the representative that customers should be aware of this action and that i didnt have auto payment through my accounts. I then advised her to cancel my new cards and send new ones as the representative and also said she can put a alert on my accounts to NOT share my new card info on the database. This is very alarming as well as the time frame of my so called investigation the the dispute cases I have filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website responded " Online Delivery Unavailable ''. Again I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website again responded " Online Delivery Unavailable ''. I don't understand this because Equifax DID deliver my free report ONLINE back on XX/XX/XXXX. Also, I never have a problem getting the reports online from XXXX and XXXX. 

Equifax says alternative is to request my report via USPS Mail. I do not wish to send my sensitive private data via USPS Mail as required in the request. Nor do I wish to receive my sensitive private data ( the free report ) via USPS Mail. Privacy issues. 

Bottom line, I can't get the Equifax report online, while I CAN get them online from both XXXX and XXXX. 

See attached screens related to Equifax
Product: Credit card or prepaid card

I opened a credit card dispute for a charge amount of {$2500.00}. for merchant XXXX XXXX XXXX XXXX. The merchant breached my agreement by not providing services listed in the agreement. The NC state bar association is still investigating the attorney for wrong doings. I told Capitol one very clearly that all communication regarding this dispute is to be sent to my Florida address as I am living in Florida for part of the year. Capital one was requesting additional information regarding my dispute but, sent their request by US mail to the WRONG ADDRESS! Once I realized their mistake I called the bank and told them I have the information they needed and they said " it was to late they closed the dispute. '' I explained the dispute was closed in error since the bank send the request for additional information to the wrong address. If I got the letter at the correct address the information they were requesting would have been there on time. 

I was defrauded by the merchant and XXXX by the credit card company ( Capital One ). The case against the merchant is being investigated by the NC state bar association and they suggested I request a dispute until the investigation is complete. Furthermore a state judge dismissed the attorney from representation and issued me another attorney THIS WAS A COURT ORDER! removing the merchant and ordered another attorney. I can't pay for the same service with another merchant that's just wrong! 

The bank didn't care and closed the case and are not willing to re-open the case and make good on their mistake by issuing a credit or a goodwill credit. 

I DO NOT OWE THE {$2500.00} and MASTER CARD WOULD HAVE RESOLVED THE CASE IN MY FAVOR IF CAPITAL ONE PROPERLY HANDLED MY DISPUTE. 

Because of the negligence of Capital One I am requesting they remove the charge of {$2500.00} for their mishandling of my dispute. OR re-open the dispute and let the charge card company make the decision in the mater. 

THIS CHARGE OF {$2500.00} MUST BE REMOVED OR PLACED IN DISPUTE AND ALL INTEREST WAIVED WHILE THE CASE IS PENDING WITH THE NC BAR ASSOCIATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in direct violation of section  605B  of the Fair Credit Reporting Act for your continued willful and negligent of noncompliance of secti on 605B of  the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within  four  business days and to promptly notify the furnisher (  s  ) of that information. Here it is the  XXXX  of  XXXX   XXXX  and it still show on my update report on     XXXX   XXXX   XXXX   account.     Now as I rea d 605B th ere are only  XXXX  reasons a CRA can refuse to block :  1. If the request is made in error. ( It 's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If  they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to thi s one w ay or the other ).     They have violated me on at le ast 14 separate o ccasions according to you own records ( see attachment previous disputes confirmation number s )  from  XXXX   XXXX ,  XXXX  thru the present. The fact that they have ignored my request to block or verify the disputed account is evidence that they can not and did not verify the disputed account like they said they did or act incompliance with the law. Their failure to delete or block the disputed account aft er three written requests is also evidence of their willful disregard of Federal Law. They say that they have reinvestigated these accounts but you ve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4  ).     Equifax bears grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. If they can not verify this account they are required to promptly DELETE this information. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  XXXX  be entitled to under Section  616 and Section 617  regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : - ; XXXX  : Discharged XXXX Reference # : XXXX ; XXXX XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXXdischarged Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

I tried to open a savings or checkings account at Chase in XXXX XXXX. But they denied it because they another client using my ssn with a different name. It is actually a credit card and they told Chase can not freeze or cancel that persons credit card.
Product: Checking or savings account

Bank of america placed a hold on a XXXX  payment of {$940.00} and when I attempted to log into online banking to see why and allow the payment to process, I was met with a message telling me mobile and online banking were no longer available to me, and to call customer service. I did that, and customer service said they were unable to verify my identity, and the only way for me to do so was to go into my local branch. I went in to the local branch, and they said they didn't have a banker available to help me, so i said i wanted to close my account and withdraw all my money, the woman said she could get me all my money, but that she couldn't close my account until after I left the bank. I told her never mind and that I would contact my lawyer. she tried to backtrack and change her statement, but at this point i don't feel safe with my money in their hands anymore.
Product: Credit card or prepaid card

XX/XX/XXXX, I opened my dispute for {$1300.00}. 

XX/XX/XXXX, I closed my dispute, With the intent of disputing half the original amount. 

XX/XX/XXXX, Dispute department employee XXXX, Enters all my information for the new amount and assures me within 2 weeks time my information for the new dispute would be mailed to me. 

XX/XX/XXXX, After waiting the 2 weeks, I call in and am informed by supervisor XXXX turns out the dispute can't be reopened. That, {$200.00} is all she can do and I have no recourse but to pay {$1100.00}. 

XX/XX/XXXX, I emailed XXXX XXXX SVP, XXXX XXXX XXXX 

XX/XX/XXXX, I received a voicemail from XXXX XXXX Of Citibank 's Executive Response Unit. 

XX/XX/XXXX, I received a letter stating what had been done. 

XX/XX/XXXX, After requesting through social media to be contacted by email like Mr.XXXX had previously stated I was once again contacted by phone. 

XX/XX/XXXX, After finally receiving an email from Mr.XXXX. I emailed the executive response unit and have yet to receive a reply. 

After much back and forth, I've yet to speak with my point of contact XXXX XXXX. When I requested a direct phone number to reach someone other than XXXX it could not provided. According to the letter, I was credited {$90.00}. This coming after never receiving the {$650.00} that Citibanks dispute department assured me would be issued. This was their employees mistake and the issuance of a partial credit only affirms that mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received robocall/phone call XX/XX/2020 XXXX XXXX from someone claiming to represent a company called 'direct recovery services ' (? ), said call was a message for a person whose name I did not recognize about some sort of debt, do not know why company called my number, do not know anyone by the name they mentioned, I personally do not have any debts that I am aware of, company wanted person they were calling for to either call them at an 888 number or go to a website, click on a url and enter a number, very concerned that this may have been an internet fraud attempt, also reporting this to State of Texas Attorney General 's office.
Product: Checking or savings account

I had to file XXXX disputes for unauthorized transactions on my about. This is what they sent me. 

Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/XXXX Claim Amount : XXXX Merchant Date Amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  BALANCE XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( s ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise Claim # XXXX Claim Amount : XXXX Dear XXXX, This letter is to inform you that we have made a final determination regarding a claim of possible errors on your Netspend Debit Account for the transaction ( s ) listed below : Merchant Date Amount XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( s ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We have been with Comenity Bank Total Rewards Visa since XXXX 2017. In 30+ years of managing our credit cards, I have always paid off our balance every month and have always allowed ample time ( 8-10 days ) for mail to reach its destination and never had late payment issues. I recently noticed interest charge on the statements so I called to find out what happened. On X/X/17, I spoke with XXXX ID # XXXX. He explained to me that although I paid off the balance on the statement, Comenity Bank Card charges interest on the charges that incurred after the statement cycle. And in order to avoid the interest charges, we need pay off the entire balance on the account ( not on the monthly invoice they sent me ). I need to call them to get my most current balance and pay that balance in order to avoid interest charge. I have used credit card for 30+ years and this is the first time I encounter this type of credit card interest charge. I reviewed the back of the statement and under Paying Interest, it states We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I called on X/X/17 again and spoke with a Resolution Specialist named XXXX ID # XXXX. He now told me that XXXX was incorrect. XXXX said the interest charge was incurred because my payment was late. I know this is an erroneous excuse because he needs to place the blame on me in order to justify the charges. I then question him why the stories are different between him and XXXX. He would not reply. Comenity Bank is deceivingly charging fees to consumers who pay balance in full by making up erroneous rules and accusing customers of being late on payments. Posting payment is controlled by Comenity Bank Credit Card Accounts Receivable Department. 8-10 days of mail delivery is more than sufficient for any honest business operation/practice. I do not believe 20 days of mailing time would make a difference. This seems to be a tactic for Comenity Bank to make additional revenue. And it is the only way they are able to extract money out of good customers who pays in full and on time. Comenity Bank is operating an unethical practice and fraudulently charging consumers with erroneous fees. 95 % of the BBB reviews are negative against Comenity Bank.
Product: Debt collection

A man named XXXX XXXX from a company he referred to as JMS Associates has called the receptionists at my new job 5 times this past week to claim he is attempting to collect a debt. 

This is either a fraudulent attempt to collect a non-existent debt ( I have never been contact by JMS Associates at any time previously until XXXX XXXX began calling me at work ) or it is a tact planned to place me in an awkward position at my new job ; for if JMS has a legitimate debt to collect, they have received my personal contact information from the original creditor and I believe they should be using this information properly instead of contacting me at my place of employment every day.
Product: Debt collection

On XX/XX/19, Id found out I allegedly had an outstanding federal student loan owing an estimated $ XXXX so I requested paperwork and proof of the loan before I considered even setting up any type of payment plan with them. I asked for them to send me the paperwork and two people at ACT pushed  me to give my bank account information prior to reviewing paperwork. After Id confirmed my physical address with them and phone number, I asked to please wait until XX/XX/19 and that after reviewing everything if everything was accurate, Id call back and set up a payment then. I was given XXXX number : XXXX and said Id call him at around XXXX PT. On XX/XX/19, Id received a call at XXXX PT from XXXX with no message left. This has been recorded on my phone with a screenshot.