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

Capital One indicates that deposits made to checking accounts are available next business day. I deposited a check via mobile deposit on XX/XX/XXXX, and it was not until after the deposit was complete that Capital One indicated the deposit would be available on XX/XX/XXXX. I have no way to stop or modify the transaction, and I called customer service for help. I explained that I deposited the check to cover a housing transaction that will be pulled from my account on the XXXX. I was told by a customer service agent that there is nothing Capital One can do but advised me to call back on the XXXX if the deposit has not cleared. I explained that this does not solve my problem, if the funds are not disbursed next business day, my account will be overdrawn, I will incur a fee, and the housing transaction will be voided. The agent told me there was nothing anyone could do to change the situation. I asked to be transferred to a supervisor or someone else who could help me, the agent told me he was unable to transfer calls, and there is nothing else he could do. Without changing anything about my request, including the language I used, I repeated this request four more times before being told " Oh, you said the magic words, I am able to transfer you to my supervisor. '' I was then transferred to ( presumably ) this agent 's supervisor. The supervisor proceeded to explain to me that agents are unable to honor a customer 's request to be transferred until the " magic words '' are said. I explained that am frustrated because I called customer service for help, and consumers should not be asked to waste time solving riddles, the supervisor patronizingly explained, " until the magic words are spoken, there's nothing anyone can do to help ( the customer ). '' I expressed my frustration that Capital One 's customer service is purposefully interfering with my ability to receive assistance, and pointed out that Capital One would be profiting off this situation, at my expense. I was not provided with accurate information prior to making the deposit and/or Capital One is refusing to follow their published guidelines for funds dispersement, putting the consumer at risk for profit. The supervisor then terminated the call after leaving me on hold for approximately XXXX minutes total. I was on the phone with customer service for XXXX minutes ; Capital One 's agent and supervisor spent approximately XXXX minutes discussing " the magic words '' without clarifying what that means, where information about " the magic words '' is made available to consumers, or how consumers are meant to determine what " the magic words '' are, and XXXX minutes leaving me on hold. The remaining XXXX minutes were spent explaining that this situation is not a problem, and agreeing that Capital One will reap a profit at my expense.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX Balance : {$410.00}
Product: Credit card or prepaid card

I have a debit/credit card with Webster Bank and a checking account. In looking at my statement there were a number of XXXX purchases made using my card. I called XXXX and Webster to report that these purchases were not authorized by me. I told them that I would like a new card and to stop any purchases on the old card. In speaking with XXXX they did their investigation and credited me XXXX for the unauthorized purchases. I was very happy about that. I just received a letter from Webster Bank telling me that in doing their investigation, they have not found any errors and will be taking back the credits of XXXX. The case number on the letter is XXXX. I just spoke with a number of agents and the dispute dept. at Webster Bank and they could not give me any reason as to why they are taking the credits back off of my account. Needless to say, I am livid.
Product: Money transfer, virtual currency, or money service

I have been a long-time cash app user and |I have not violated any terms of any cash app policy. I don't send or receive money from anyone other than my family or friends that I know and I pay my rent with the Cash app. When I called the Cash app customer service line on Friday XX/XX/23 about why my own son could not send me money, I was told by one of your reps XXXX, that two issues occurred with my account. Someone tried to open up a new account with my Social Security # and someone I sent cash to through my account, that the person I sent cash to, their cash app acct was under review or restriction. # 1, I should have been legally notified if someone else was trying to use my personal info to set up a new cash app. As you can see I have been a long-time member and have never asked for a new account. 2nd, I have only recently sent money back and forth to my family members. How are customers supposed to know if you can't send money to someone whose cash app acct is in trouble, without notification to the sender? Then you all just make a random decision to close my acct without notice. This is an illegal practice and I will be reporting your practices to FTC, XXXX, and CFPB. I will also be contacting an Attorney regarding a law suite against Cash App for these types of Practices. This is not the first time I had to battle against Cash App for the way Customers who have done nothing wrong are treated. 

Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report on XX/XX/2021 that is on my credit report but is not me. I have also been receiving phone calls also in regards to loans that I never applied
Product: Vehicle loan or lease

I have discovered that the vehicle loan and warranty was financed and sold under false pretenses. Within a year of the {$120000.00} loan/ warranty transaction, I have encountered significant issues with the vehicle that the manufacturer 's warranty has failed to address. Such issues are consistent with those of numerous other consumers. Refer to Settlement Agreement in Emily Dack, et al. v. Volkswagen Group of America , Inc., Civil Action No. 4:20-cv-00615 ( U.S. Dist. Ct., Western Dist. of Mo. ) Find that my vehicle vin XXXX XXXX matches other vehicles to the case, also experiencing hazardous mechanical issues with the breaks. This has XXXX  me at times, as I have lost control over the vehicle with XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite my attempts to resolve this and similar issues with the manufacturer, they have been uncooperative and unwilling to provide a satisfactory resolution. This evidences their lack of concern for safety, performance, and the overall value of their product line. After exhausting all possible avenues for resolution, I have come to the conclusion that I have no choice but to request the full payoff amount from XXXX XXXX XXXX XXXX XXXX XXXX, to account for any debt incurred and surrender under acceptable terms. 

I believe that I am entitled to compensation for the damages and losses incurred as a result of being sold a lemon vehicle and facing the manufacturer 's failure to fulfill their obligations under the warranty. I am seeking CFPB 's engagement to help me navigate this complex situation and pursue a fair and just resolution. 

I believe that contacting CFPB prior to a collective legal action is necessary to hold the manufacturer accountable for their deceptive practices and ensure that other consumers are not subjected to similar experiences in the future. I kindly request that you consider reviewing the existing class action lawsuit against XXXX XXXX XXXX XXXX. In addition to filing a claim for reimbursement related to this case, I am prepared to provide any necessary documentation, evidence, and information to support my lender in facilitating any additional legal proceedings that the manufacturer has caused. 

Thank you for your attention to this matter. I look forward to answers and exploring the possibility of legal action to address the lemon law violation and seek justice for the damages incurred.
Product: Bank account or service

I am constantly besieged by " return of posted check '' fees, " returned item fees '', and " overdrawn balance fees '' simply by trying to pay my credit card bills with my Bank of America checking account. This is not the first time I have had this issue. When I first called, they gladly refunded the fees. Then they stopped, insisting there was no issue on their end. I do n't understand why, even when I have funds in my account to cover the bill, I get a " returned item fee '' the next day. Then, for some crazy and putatively fraudulent reason, Bank of America decides to charge my account again, knowing full well that the payment did n't go through the first time. Then once again, they charge me a " returned item fee ''! Then to add insult to injury, they assess " insufficient fund fees '' because they have been draining my account with these pernicious cycles of " returned check '' and " returned item '' fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX {$550.00} XXXX   XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Debt collection

We canceled service with XXXX and switched to XXXX XXXX XXXX around XX/XX/2021. Paid all invoiced bills. Called and canceled voice-mail and verified that all bills were paid. Never received a bill or anything. Then noticed a collection against me. Called XXXX and they will not talk to me. Called the collection agency and they refuse to provide a invoice, XXXX or any proof that we owe the bill. They say we have to call XXXX. They have caused me damages to my credit. And refuse to try and resolve this. Your help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$15000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint regarding the actions taken by Barclays Credit Card concerning my Barclays XXXX XXXX Card. I have been a customer with Barclays for over five years and have consistently managed my account responsibly. However, I have faced ongoing issues with the company, including unresolved disputes, blocked account access, credit limit reduction, and unjust charges. 

Details of the Issue : 1. XXXX XXXX XXXX XXXX XXXX XXXX  Barclays blocked my Barclays XXXX XXXX Card without prior notice or explanation. 

Since then, I have provided all requested documentation three times to resolve the issue, but the card remains blocked, and I have not received any clarification on the status of my account.

2. Credit Limit Reduction : Last week, without prior notice, Barclays drastically reduced my credit limit from {$20000.00} to {$250.00}. 

This action has severely impacted my credit utilization ratio and may harm my XXXX XXXX, compounding the inconvenience I have already experienced. 



3. Unjust Interest Charges : Despite my account being locked since XXXX, Barclays has charged me interest fees twice during this period. 

It is unjust to impose such fees when I have been unable to access or use the account. 



4. Unresolved Dispute : Approximately a year ago, I filed a dispute with Barclays regarding a transaction. Despite following up multiple times, this matter was never resolved. 

The lack of action on this earlier issue further demonstrates a pattern of poor customer service and disregard for addressing legitimate concerns. 




Attempts to Resolve : I have provided the required documentation three times as requested by Barclays, yet no action has been taken to unblock my card.

I have repeatedly contacted their customer service team to seek clarification and resolution, but I have been met with vague responses and no meaningful assistance.

I also followed up on the unresolved dispute from last year several times, but it remains ignored.

Impact on Me : The prolonged card block has caused significant inconvenience, as I have been unable to use it for essential expenses. 

The reduction of my credit limit has negatively affected my financial flexibility and may have long-term consequences for my credit standing. 

The unjust interest fees and unresolved dispute add to my financial burden and demonstrate a lack of fair treatment by Barclays.
Product: Checking or savings account

I sent a XXXX XXXX XXXX to XXXX XXXX on XX/XX/2020 and the money was taken from account. And then I recieved a message from XXXX XXXX saying they would not send it to her for my protection and that it will be refunded in 1-2 business days. The money was never put back. I then filed a dispute with the bank they said 90 days. My 90 days was up on XX/XX/2020 still nothing so I called the bank asking what happen the representative place me on hold and called the investigator department. Then came back to the line and said my money would be put back in the account in 24hrs. So it's monday XX/XX/2020 and still no refund. So I call back this morning and was placed on hold again for about 40 minutes and he said they are working on it while I'm on the phone he then came to the phone and said they denied the claim for XXXX for a XXXX. I said that is not what I'm dispute I did that one it is for XXXX XXXX. He then tells me no it's not it is for XXXX I'm telling him XXXX XXXX has I'd numbers for each transaction you do with them and that is a nother number not the same as XXXX as I will send proof. He tells me nothing he can do. So I call back and got someone else he says I won't see the transaction because it was deleted from my bank account history and says XXXX XXXX deleted. So I started how can they delete bbva history for account he said they can. Again I'm still saying the money was not put back. So I tell him where does it say XXXX XXXX refunded me he says it will not show anymore. At this point I'm frustrated it's covid going on and I need my XXXX $ I'm not working. I have all receipts to proof this I have waited for 90 days and I need this to be resolved. I ask to speak to a supervisor and was told I can't speak to one they have other obligations to do besides speaking to me. How rude I need this to be taken care of thank you. And also my overdraft does not work on the account they say do not know why. It wouldn't even overdraft for XXXX $ I get deposits and been having it for a while. And also I attached the receipt foe XXXX you can see that it is 2 different I'd numbers for both transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! 

I send a certified letter to XXXX on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to XXXX stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that XXXX was indeed where they received the information from that I never gave XXXX any written consent. It has been 30 days and I still have not received any type of documentation from XXXX. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from XXXX that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can XXXX update a dispute and XXXX still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called XXXX and asked what was they provided from XXXX. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and XXXX XXXX. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. XXXX is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to XXXX to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer XXXX has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because XXXX continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, JPMCB BUSINESS BANKING, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX  XXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XX/XX/2022 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: Debt collection

I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. 

Please find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. 

Please note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. 

Please note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. 

If you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. 

Please intercede in my behalf to assist me in achieving a fair solution in this matter.