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

Regretfully, I am making a complaint against Capital One bank for allowing an overcharge of {$100.00} that was charged to my checking account by a scammer who posed as a cab driver outside of XXXX XXXX on the morning of XX/XX/2022. 

This scammer cab driver advised me that the cost from XXXX XXXX to my house in XXXX XXXX, NY, would be {$25.00} ( XXXX is about XXXX miles from my house and a XXXX ride ). I also gave a tip of {$3.00}, for a total of {$28.00}. He advised that he would text me the receipt and I watched him punch in my cell number. He used one of those squares that I have seen merchants use before, so I did not think anything of it. The very next day, I see a charge to my checking account for {$120.00} for the same trip. 

I immediately called capital one and disputed the overcharge of {$100.00} ( claim # XXXX ). At this moment, realized that I never received the receipt from that cab driver and advised the Capital One rep of this and it looks like I was the victim of a scammer. Both I and the Capital One representative tried to obtain information for merchant named XXXX XXXX XXXX. This appears to be a supermarket which does not make sense if this person is a cab driver. 

The Capital One representative advised me to send in any pertinent information I had to help dispute this transaction. I advised that I can show a receipt from XXXX for the amount I was charged ( {$22.00} ) going to the airport to give an idea of what I should have been charged, my trip itinerary showing the date and time I arrived back to XXXX airport proving I was picked up from XXXX airport and I sent it over to Capital One via email. 

Capital One denied my claim stating they did not receive my information, so I resent it to them. A few weeks passed, and I get notification that my claim was once again denied because I did not provide a receipt of what I paid for this cab ride ( the amount shows up in my checking account ). I have advised Capital One s times that this man never sent me the receipt and appears to be a scammer. They disregarded the other information I sent in because the only thing they were concerned about was the paid receipt. 

I asked Capital One for proof that they contacted this merchant and was provided with proof of what the charge was for, the date and location of the transaction. This was not provided to me as I don't believe they requested this. I have been a customer for well over 10 years and feel Capital One is allowing this man to steal money from me. They are treating me as if I am the criminal here and refusing to fully investigate this. 

They are supposed to protect the consumer, not the crook!! I have been victimized twice. 1-by this horrible person and 2 - by the financial institution that I have entrusted would protect myself and the money in my accounts, no matter how much it is. I can not afford to just give someone {$100.00} of my hard-earned money.
Product: Credit card

I have applied for a costco visa anywhere card and did not receive the card. I tried to contact the citi card credit card customer service but they could not find the card. Currently I would like to either receive the card or block it and close the account for good. 

Thanks,
Product: Debt collection

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. 

Remove this account from my credit reports XXXX XXXX and XXXX
Product: Debt collection

Since XX/XX/XXXX Synchrony Banking has been continually calling me. After contacting them and advising them of the payment issues they've gotten worse with their harassing tactics. I don't believe they think customers won't complain but I was a XXXX for 25 years and I've filed Harassing Phone Calls for less. I expect something to be handled with this type of issues. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called to get them stop harassing me and advised that I had sent in the payment. After speaking to them they found that I had sent the payment in and the calls stopped for a time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I contacted customer service and had been explaining to them that I was attempting to pay off the amount but they would not allow me to do so saying they can only accept from a bank account number. I've still got {$2800.00} on my discover   and only owe these guys {$2700.00} and they won't let me pay it off. 
XX/XX/XXXX I started attempting to transfer these funds to my bank account to pay them off but the calls continued to come non-stop. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went onto my account and changed my phone number to an old number I don't have anymore to get them to stop. 
XXXX XXXX I again attempted to pay with the Discover card explaining to the customer service person that i have the funds but need to pay them so they'll stop calling and harassing me but XXXX wouldn't help and didn't seem concerned in trying to help me out. 
We have enough issues in this country and I'm trying to pay off my account and be responsible but I keep being talked down to and treated like crap. If these people hate their jobs that much they can find something else to do, but since this XXXX XXXX XXXX stuff has started these people sit at home and harass others that are still outside " Not Scared of a common Bug '' and working to pay bills. By the way I can pay my bill but they're being difficult in taking a payment.
Product: Checking or savings account

Using the chase website, I received a notification in early XXXX 2017 about a promotion for opening a checking account with chase ( {$300.00} ). I printed out the promotion paperwork and went to my local branch to open an account ( as directed promotion paperwork ). The chase banker who helped open the account must have inadvertently not entered the promotion code. I 've waited patiently for several months ( after meeting all requirements ) for the {$300.00} to post. I recently called in to confirm the details and chase said that I did not properly enter the coupon code in my application. I recommend chase review their security camera footage from the branch in which i opened the account, and issue the {$300.00} as promised. There was no way for me to confirm the coupon was entered correctly. I made every attempt to provide the proper coupon details to the banker and he assured me that he properly entered the coupon correctly at the time of application.
Product: Credit card or prepaid card

On XX/XX/2023, I attempted to add my Citi Premier credit card to my XXXX XXXX, an action that triggered fraud alert and locked my card entirely. I then contacted the customer support to unlock my card and lift the restrictions, but after I provided two different phone numbers to verify my identity, they claimed both of these numbers can not be used for verification purpose. They suggested that the only method to unlock my card is to send a physical letter to my residential address, which would take up to 7 business days, during which I can not use the card at all. 

This is the second time in a span of one month that my card was flagged and locked by Citi 's fraud department, and in both cases it was because there was an attempt to add the card to an XXXX XXXX. It shows that after a month, Citi has not undertaken any actions to address this issue and allows this to happen repeatedly. In a response to my last complaint, they dismissed this simply as necessary measures to counter fraud, which in reality does nothing but ruins the customer experience. 

I opened this credit card because of its attractive new member bonus and planned to reach the spending goal of XXXX dollars before XX/XX/2023, but the incompetency of the fraud department has significantly obstructed this process. Since the new member bonus can only be granted if the amount of spending reaches at least XXXX USD within the first 3 months, the time I actually have to reach the goal is greatly reduced due to the fact that I had to wait for almost 2 weeks in total for the 2 verification letters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX acct # XXXX,, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U .S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 






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Product: Checking or savings account

I have been with chase bank since 2018. I purchased a small business and opened my account with chase bank in Michigan along with business credit card. I own a gas station and I do deposit cash since thats the business Im in. XXXX weeks ago I received an email from chase that all my accounts are being closed, business checking account, personal account, business credit cards. I called and was given no answers. I have been switching all my vendors to new account and have to rout app payment to to new company. I have not missed a single payment nor I have done anything to hurt my business or chase image. The way I was treated by chase makes me feel like I have done something really back so Im being punished and all my accounts are being closed. Never again and I will make sure not XXXX in my family and friends will go near chase. I have my dad move his money from chase private to different company. He was upset when he heard what happen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Due to the new Medical Debt Relief Act of XXXX, I have been trying to get some medical debt removed since XX/XX/XXXX on the XXXX XXXX website under the Transunion credit and it says they are working on it but it's been four months and the dispute options are locked up where I can't follow up. 

When I went directly to the Transunion website, they are trying to charge me XXXX dollars a month in order to sign up to directly deal with them. 

I just went directly to XXXX and had to submit the disputes there so I will wait to see what happens. 

There are laws in place to protect many people like myself who are responsible, law abiding citizens that have had bad luck with health issues no matter how hard we try to take care of our health. 

PS, I have a 94 % payment history for all of my other payments! 

Can you please remove the medical debt from my credit report please? 

Thank you, XXXX XXXX
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 XXXX XXXX XXXXXXXX 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 is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 reporting, credit repair services, or other personal consumer reports

I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, XXXX XXXX, Bank of America, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Product: Credit card or prepaid card

This bank is treating me horrible I applied for a secured card because they closed it and asked me To reapply I did just that and they decline me saying they dont want to do business with me I write them a letter they never respond to my concerns I wish they would call me this isnt fair
Product: Mortgage

hello, my problem is that in XXXX, XXXX bank, which is now bank of America gave me a home equity line of credit of {$300000.00}, when my yearly salary was under {$60000.00}. and then in XXXX XXXX bank gave me another {$120000.00}. I believe they should of calculated my ability to pay better than they did. now 13 years later, and XXXX tears of age, I still owe {$420000.00}. with a yearly salary of {$52000.00}. with the interest rates going higher I 'm finding it extremely difficult to meet my obligation of paying these mortgages. I 'm afraid foreclosure is inevitable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( * ) from THESE LENDERS NEED DELETIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORT NUMBER # XXXX EQUIFAX REPORT NUMBER UNKNOWN NOTE : ( Accounts ) please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act , I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use NOTE... I understand that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates.

the report by more than seven years.

**15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX
Product: Bank account or service

I bank with Wells Fargo and I live in the state of Oklahoma. I am unable to close a CD account unless I go into a branch which is over XXXX miles away. My CD account auto-renewed against my personal wishes. 

I want to close it. I can not go into a branch because the nearest one is over XXXX miles away. 

I can not close it over the phone as per company policy ( I am required to go into a branch ). 

I can retrieve the paperwork to close the account online ( and can close it by mailing in the paperwork ), however, I must know the account number which Wells Fargo can not give over the phone. The only way to retrieve the account number is by going into a branch, which is over XXXX miles away. 

I would like to close the account without needing to go into a branch.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and still noticed Equifax is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contacted the Credit Reporting Agency to dispute inquiries that appear on my credit report, which are false and inaccurate, as I did not authorize the inquiry on my report. I demanded in my letter to the agency to furnish proof in writing on the method used to verify AND validate the information, who they contacted and the contact information. The agency did not respond within the 30 days allotted by the Fair Credit Reporting Act, Section 609, in which the investigation must be resolved and the response provided.