23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Shortly after I received the card I had problems accessing my account to make payments. For the first 2 months I didn't have any problems and was able to make the payments on time. Then all of a sudden my account was restricted and has not changed since. I can't log into my account via the Capital One app or the website. I called several times and spoke with representatives that could not help. I was told they would have a supervisor try to figure it out and get back to me. That never happened. They were only able to get me to regain access to log into my account which was only temporary. I was able to attempt making a payment but it was rejected due to account restrictions and was not completed. I tried with a debit card, another credit card, sending money order, as well as cash at the Capitol One ATM and all were rejected. I kept getting a message to contact support to resolve the issue. Due to this account problem, the monthly bill and interest kept adding up. The bill went from {$25.00} a month to over {$300.00} now. I am currently more than double over my credit limit and approaching charge off in less than 30 days. Eventhough I have had this problem for 6 months and spoke to customer support several times, they still keep reporting missed payments to the credit bureaus and my score has decreased dramatically. I have received email offers and phone calls from Capitol One to make lower payments and I accepted the offer to which the payment would be {$50.00} a month for 2 months to bring my account back to current status. This was set up by a representative over the phone. When I had tried to make the {$50.00} payment it to was rejected and prompted me to make a minimum payment of {$230.00}. I keep getting calls from them asking for payments and threatening charge off but they will not accept any payment I have tried to make. I was also told that they can see there is an error on my account but can not fix it over the phone and I would need to go to a branch and sit with a manager that could help me. I live in XXXX  and the nearest branch is in XXXX XXXX. That's ridiculous. Still to this day my account has been restricted and I am unable to make any payments. It seems like they are not doing anything at all to fix this problem. Being a Capitol One customer has completely ruined my credit and I am not being treated fairly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The EQUIFAX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account with XXXX and barely any information being reported for XXXX. Also XXXX accounts are being reported and updated as a collection on my report. These accounts are also stating a balance of {$340.00} when the balance should be XXXX due to these accounts being charged off as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX inquire XXXX
Product: Credit reporting or other personal consumer reports

my student loans on my transunion and XXXX show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX  updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital is not reporting my credit card history in which Im an authorized user on an account.with all credit agencies like XXXX and XXXX.
Product: Checking or savings account

I previously submitted complaint XXXX regarding this issue but it was closed without my being allowed to dispute HSBC 's response. 

I submitted an application for an HSBC Advance account on XX/XX/XXXX. This was after I saw the terms and conditions of a bonus offer that stated I would receive a {$350.00} bonus if I deposited {$10000.00} into the account and maintained that balance for 90 days. The fine print stated I would not qualify if I had an account between XX/XX/XXXX and XX/XX/XXXX ( attachment # 1 ). I confirmed that day ( XX/XX/XXXX ) in an HSBC chat that my previous account had been closed on XX/XX/XXXX ( attachment # 2 ). 

Th account was then opened on XX/XX/XXXX and I maintained the {$10000.00} balance for well over the 3 months. I contacted HSBC via phone, chat, email several times and did not receive an actual substantive response until I filed my first complaint. 

That response indicated the terms I explained above were not posted until XX/XX/XXXX, a day after I applied. Per the representative, the terms in effect at the time of my application disqualified anyone having an account between XX/XX/XXXX and XX/XX/XXXX, which would disqualify me. 

However, I dispute this. While the PDF of the offer I saved was not date-stamped, I found a date-stamped {$750.00} HSBC offer from XX/XX/XXXX citing the XX/XX/XXXX through XX/XX/XXXX disqualification time period ( attachment # 3 ). I also would not have applied had the offer I applied for stated XX/XX/XXXX through XX/XX/XXXX. The fact that I still applied after confirming my previous account had been closed on XX/XX/XXXX is evidence of this. 

Regardless of HSBC 's claims, the terms at the time of my application did not cite the XX/XX/XXXX through XX/XX/XXXX disqualification period. It seems very possible that the terms were posted a few days earlier than intended but that is HSBC 's error, not mine. I followed all the instructions and met all the requirements at the time that I applied ( evidence attached ) and should be credited the {$350.00}.
Product: Credit card or prepaid card

CapitalOne provided me with false information about keeping my account open. On XX/XX/2021, I was told by an account specialist ( employee number XXXX ) that all I needed to do was replace my expired credit card in order to keep my account open. I ordered a new card and they still closed the count permanently, which will negatively effect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a 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: Bank account or service

I had nearly {$800000.00} in an investment account at Merrill/Lynch, and a home worth another {$800000.00}. After my financial advisor, XXXX XXXX at the XXXX S.C. office took over my accounts, I would up with a little over {$40000.00}, total. I was talked into taking out a mortgage and a line of credit I did n't want, and encouraged not to pay them off. When the market crash happened, I was left with the debts, and no capital to pay them off with.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and unauthorized inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I can confirm that the following entries are fraudulent and not authorized by me. 
Fraudulent Account : 1. Unauthorized Collection - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$3400.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX ( appears twice ) XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried settling this particular debt with  Portfolio Recovery an d they said that they were n't willing to settle.     In later years, once the debt was past the statue of limitations, I disputed the debt with the  XXXX  major reporting bureaus an d Portfolio refus ed to remove it from my credit report.     This debt is tarnishing my history and preventing me from obtaining affordable housing.
Product: Debt collection

I have also checked my credit report and I do not see any record of this debt being reported to any of the credit bureaus. 

I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.
Product: Money transfer, virtual currency, or money service

Im writing to inform you regarding zelle disputes particularly in light of the CFBP lawsuit highlighting significant issues with the platform. My financial institution and zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX  XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Credit acceptance actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I request that the CFPB take action to ensure credit acceptance complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Debt collection

a process server tried to serve me with a summons and i was not there iam out of state i tried to get her to tell me who this collector was and wouldnt tell me just to call the court house i did said had nothing i know the dept is in with XXXX XXXX XXXX and lawyers r supposed to be working on it but said they dont have the summons cant do anything same with XXXX XXXX XXXX dont know where else to turn tried everything and XXXX XXXX XXXX not helping either they wont give the summons to anyone but XXXX XXXX and hes gone and i have power of attorney i tried to tell them if i have the info i can get this settled!! but i guess wont so i just dont know we are not anywhere to accept it just wish they get ahold of XXXX XXXX XXXX  or the lawyers at XXXX
Product: Credit card

I was a victim of identity theft in XX/XX/2016. One of the fraudulent accounts was a Capital One 360 Bank Account. I called Capital One and notified them that I never set up this bank account. I sent Capital One via certified mail a month later, an identity theft affidavit, along with a copy of my police report. Capital One assured me by phone several times that the matter had been taken care of and the account was closed. 

I applied for and was approved for a Capital One Quicksilver credit card XX/XX/2016. I have made attempts to register the credit card online with Capital One to make an online payment. However, I am unable to do so. The reason I am unable to do so is because the identity thief who set up the Capital One 360 account set up a user ID of XXXX. Capital One should have disabled any login credentials the identity thief had when I notified them of identity theft. They did not. Now the identity thief has online access to my accounts and I have none. 

The reason I am complaining is because I have reached out to Capital One regarding this twice and encountered long hold times and reached no one who knew how to resolve the issue. Capital One was supposed to give me a call back regarding the matter, as no one accepting inbound calls could assist me. No call back. Capital One did not take my notification of identity theft seriously, they did not disable the 360 bank account that the thief set up. They did not disable the user ID XXXX. Now I have no access to make payments to my new credit card online because they are catering to the identity thief and refuse to help me. 

Since I can not get through to Capital One by calling, I am making this complaint and hoping that the Consumer Financial Protection Bureau can help me to get the protection I need. I hope that online access through user ID XXXX that the thief has to my Capital One credit card and to the bank account which I did not set up can be disabled. 

I have been through the worst experience of my life and knowing that Capital One will not even speak to me regarding this matter is disheartening. By having access to my accounts, this identity thief can compromise this new credit card.
Product: Money transfer, virtual currency, or money service

Hello, I Opened up an account with PayPal through XXXX to sell items on XXXX. My items got sold and there were no complaints the buyers were satisfied after it got delivered. However, when I went to transfer my funds that was in my balance PayPal put a hold on it, and froze my account. I was on the phone with them several times, trying to figure out why cant I transfer my money to my bank. The items got delivered XX/XX/2019. I spoke to several reps one rep asked why do I need to transfer the money ( I was shocked by that question ) its my earned money from my business and I should be entitled to get my money and put back in my business. Why should they hold it if there are no complaints and no refunds. The rep also wanted more information from me I guess to see Im the person in charge of the account. I gave them all the information they asked for and even more. I gave them my social, my ID, I even gave them a bank statement, and my lease to where I live. Nothing was taken care of, I spoke to other reps, one rep even said yes you gave us everything, she even took my account off of hold, and made it seem like everything was fine now. I got off the phone, and that same night at XXXX they sent me an email saying my account is suspended and they will hold my funds for 180 days. Now at this point Im furious, PayPal have been doing this to so many people the only reason I have an account with them is because XXXX uses them as a payment method, ( for now ) because I read they are parting ways soon. But besides that, I also read by law depending your state no transmitting company is allowed to hold your funds for more than 10days. It has been since XX/XX/XXXX and they are still holding my funds which is only {$610.00} but to me its alot because its my earned money I need and can use for my business, which takes care of my family. Almost forgot, when they sent me the email ( XX/XX/XXXX ) stating my account is closed and I cant do business with them, and they will hold my funds they mentioned I was a fraud and the information I provided to them is not mines. Next day I contacted and went back and forth with them asking them why they will accuse me of that when that is a serious matter because people can go to jail for that all the information documents I gave them are all mines. I reached out to the mayor of my state they contacted me and gave me this information to contact you guys. Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on XX/XX/2019. It still say pending. It has been removed from XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As per my attached diagram, I have shown that Amazon is showing misleading reviews in order to lure customers into a false sense of security about the Amazon Prime Rewards Visa credit card, issued by Chase Bank. 

1. The percentages of the reviews add up to 101 % - this does not make sense mathematically.

2. Amazon proudly displays the fact that they do not display actual averages. It does not indicate how the " top reviews '' are rated or how they " become '' the top review. 

3. The top review for the United States is in XXXX. 

I do not speak XXXX. At no point have I indicated to Amazon or Chase that I speak XXXX. This is not a browser location mistake - the review indicates that it was created in the United States. 

How can the top review for the United States be in XXXX? This doesn't make sense, based on the amount of reviews this card has, and the amount of reviews that are in English. If this review became the top review simply by being " liked '' then why are so many people in the USA liking a review they most likely can't read? 

4. The XXXX  review has multiple signs of being fake. I previously worked as a XXXX XXXX XXXX  XXXX  XXXX XXXX  and XXXX XXXX, with a XXXX XXXX XXXX  XXXX XXXX. I am also a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. And yes, I can prove this. 

Here are the basic signs that show this review is most likely fake, or was non-organically " boosted '' : 4a. The review is supposedly top in the USA but it's in XXXX. That's an automatic red flag. 

4b. The review is only 4 words. Bots and fake/paid accounts usually leave short reviews/posts in large amounts. I call this the " maybe one won't get taken down '' method. 

4c. The review doesn't actually say anything useful. At all. Obviously XXXX isn't a scholarly translator, but it's painfully obvious that this review contains no useful information. In my profession, we call large injections of useless information " spam. '' As a professional, I would absolutely flag this as spam on my websites.
Product: Checking or savings account

On Tuesday XX/XX/XXXX I lost one of my phones. I checked my online banking and saw that funds were removed I immediately contacted TD bank to let them know that the funds that were removed were unauthorized and not made by me. I was told to go in branch the next day to open a new account and dispute the charges which I did. On the XXXX  only a new account was opened as the teller told me I wont be able to dispute until XXXX. I waited until Friday to do the dispute which we did and it came up to around {$1400.00} which most of was in my savings account and I could only be used if transferred. The teller assured me things like this happen all the time and TD will issue my money back ( they didnt ask for proof or any documents ). Fast Forward to today Friday XX/XX/XXXX and I still havent received back even a {$1.00} of the unauthorized funds. I contacted TD on the same Friday to find out whats going on. I was told that the claim was denied which I wouldnt know if I didnt call because I didnt get a text or call or even mail from TD. I was told the claim was denied because it matches up with my spending habits. I then argued how can it match up with my spending habits when the way my funds were fraudulently were removed were through XXXX XXXX and XXXX in increments of {$150.00} to {$250.00}. I am now escalating this issue to consumer affairs because as I said these funds are from my savings account and for the better part of anything I have no money available. I am currently broke I have no credit cards, no cash I have nothing. So in hopes of you guys helping me retrieve my funds back I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them 18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.