23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX Complaint with Capital One Bank for Illegal Fees and Interest. They responded to the complaint and they have credited the accounts for the fees, However, these are closed accounts and are never going to be reopened and the money needs to be sent to me in a check form from Capital One bank  so I have access to that money. That is my money that they charged to my accounts illegally. They did this on two of my accounts, Account ending in XXXX, Account ending in XXXX. I would like a check in the amount owed ; {$18.00} sent to my address, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. A check shouldve been sent To my residence regarding these fees, The accounts were already closed, in the right thing to do here wouldve been to mail me a check for that amount so I dont have to keep asking this company to do the right thing when thats the right thing when you owe someone money you send him a check for the amount that you owe them. If I dont get the money, then I will file a claim, Then I will ask for fees for that I have to spend money for, That means they will pay for the claim, My time, Interest fees, And I will ask for other damages if this is not rectified. In a small claims court I can do this Because this company is not following the rules and regulations of banking policy and procedures. I also also expect the account XXXX to be put on a payment plan of {$80.00} a month, I am offering more than I couldve paid before and this is what Im asking for. I want it on a payment plan for the duration of the account so that I can pay it off. Capital One did not stand transparent, on what actually took place. You can not deny a XXXXXXXX XXXX and XXXX XXXX XXXX XXXX and or family member, Programs they have rights and access to. The responsible thing is to allow me to pay the account off at an amount that I am able to pay off, Otherwise, I will take this matter to small claims as well. I will file paperwork. I will bring this attention to the judge. This has been going on for over a year. I am trying to do the right thing however this bank thinks that it can avoid policies, procedures and laws set up by the banking industry, And there are rights that XXXXXXXX XXXX and XXXX XXXX have that these banking industries can not deny it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my wallet and started applying for stuff under my name not my consent. I would like to have it removed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts on my credit report that were fraudulently created as a result of a recent data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items permanently removed from my report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.
Product: Debt collection

Back in XXXX my XXXX  XXXX XXXX  was charged off on XX/XX/XXXX, I spoke to XXXX XXXX from XXXX  a Debt Collecter, and he closed the debt of {$1300.00} on XX/XX/XXXX. 
Since I have never been through this before, I figured when he closed the debt that meant I didn't have to worry about paying it. I had lost my job, and had no money coming in except Unemployment. Than back on XX/XX/XXXX I received a Civil Action Hearing Notice from XXXX XXXX, XXXX also known as Pressler, Felt & Warshaw LLP, XXXX XXXX XXXX, XXXX, NJ XXXX, their phone # XXXX. I have contacted them by phone and also with a written letter requesting information, I have never received a call back or the Verification claiming I am required to pay the full amount. 
I have Appealed the Civil Action Suit and the new date is XX/XX/XXXX, however they also decided to place a black mark on my Credit Report after they were served the Appeal paperwork. This took my credit which I have been working very hard to rebuild down to the 500 level. Please can you help me out, they have been adding charges after charges on the {$1300.00} i.e. charge for Civil Action Suit {$120.00}. Than one of the hearing dates I was not even notified of, XX/XX/XXXX. I have read the reviews on this company and all of them have stated that they are very dishonest and they are ambulance chasers. I can certainly believe that now after what they have put me through. Plus to sue me for {$1300.00} plus additional charges. 

Can you please help me, I would greatly appreicate it.
Product: Credit reporting or other personal consumer reports

THIS FALSE AND INNACURATE REPORTING AND FAILURE BY XXXX AND EXPERIAN TO PROPERLY INVESTIGATE MY CREDIT REPORT DISPUTES AND TO REMOVE THE FALSE REPORTS FORM XXXX XXXX, XXXX AND XXXX  HAS CAUSED ME FINANCIAL HARDSHIPS. These repeated denials have had a significant impact on my financial stability and opportunities, making it difficult for me to access necessary credit and improve my financial situation. I have been denied an apartment on XXXX occasions, credit on multiple occasions due to the lack of properly investigations into what I asked them to investigate, false reporting and inaccuracies on my credit reports, in XX/XX/XXXX : Denied a credit card application from XXXX ( XXXX ), Denied a personal loan by XXXX Financial institutions due to ( Experian ) XXXX XXXX : Denied a car loan by XXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX : Denied a mortgage pre-approval by a XXXX XXXX ( Experian ). In XX/XX/XXXX : Denied a credit line by XXXX XXXX XXXX ( XXXX )., XXXX : Denied a home loan by XXXX XXXX  ( Experian ), in XX/XX/XXXX I was Denied a small business loan, XXXX XXXX ( Experian ) XXXX : Denied an apartment lease application by a Property Management ( XXXX ). XX/XX/XXXX : Denied a retail store credit card by XXXX XXXX ( Experian ). 

I decided to try to figure out my credit and noticed several inaccuracies on my credit reports from XXXX and Experian, which I believe are negatively affecting my credit score. I contacted both bureaus to dispute these inaccuracies, requesting a thorough investigation and correction of the erroneous items. Despite providing all necessary documentation to support my claims, the bureaus did not properly investigate my complaint. The inaccurate information remains on my credit reports, causing ongoing harm to my financial well-being. ''
Product: Money transfer, virtual currency, or money service

I use PayPal quite often to transfer money to family, especially when there is an emergency, because they have an option to get the money to them quickly. This last time I tried to transfer funds, there was an error and my bank kept declining the transfer to withdraw from my PayPal balance and deposit into my bank account. This was tried several times. ( The next day I was able to use this service with no difficulties ).

However, during one of the attempted transfers my money was frozen in a pending transaction and not returned to my PayPal account balance as it did during the other attempts. I contacted PayPal support immediately to resolve the issue and find out why the transaction was still pending and not cancelled. I also asked why my funds were not returned to my account.

It has been more than 72 hours and in this time I have gotten several different responses with no resolution and no answer to where my money is/went. I have screenshots of all the conversations. The first time I was told that transactions can be held for security reasons. Then I was told that there was no security reason. I reverified my information with them just in case. Then they charged my checking account for {$1.00} which I never authorized for them to do. If my account had been zero, they would have cause my account to overdraw and I would be charged fees by my bank. I have never heard of a business being allowed to charge any amount to someone's bank account without their permission.

All I want is my money to be returned and I keep getting the run-around by their support team with different answers. The last person called to tell me that they are sorry, their hands are tied and there is nothing they can do. There is nothing they can do to resolve a business matter for a customer of the company they work for? Really!!?

I asked them to open a support ticket or escalate the issue to a higher department and they replied they could not because this is a " normal '' process.

PayPal support tells me they can not do anything. It is not something I did. It was the fault of their system, and the normal system process worked on all of the other transactions which was this : when the transaction did not go through, the money was returned to my balance within a few minutes. Suddenly, it doesn't work, my money disappears and there is nothing they can do except to wait for some " normal '' process that they can not explain to resolve itself? This is bull " you know what ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an phishing email from apparently PayPal. This email contains information of a transaction of {$890.00}. Attachments in pics will explain further
Product: Mortgage

In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income.
Product: Debt collection

I have asked numerous ti mes for Capio to  send me the proof that these  XXXX  items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX I noticed there had been a Best Buy credit card on my credit report. I found that odd because I have not applied for a credit card from Best Buy. I immediately contacted my bank XXXX XXXX and advised them about the card. I was told it would be taken care of and someone would call me. I never received a phone call. Later on I received a phone call from XXXX XXXX XXXX XXXX ( a collections agency ) stating that I owed XXXX dollars. I told them this was fraudulent and was not me. 

Best Buy has offered XXXX help to resolve this solution. When I go into any Best Buy store no one can provide me with any answers. When I call Best Buy Im told theres nothing they can do about it because it is in collections.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXXarrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit card

My XXXX  card was used by someone last XXXX XXXX XXXX  Max out my credit limit within XXXX  days. I called the company which is Upgrade XXXX right away and filed a dispute. It took them a while to respond. Finally got an email from them asking me to explain what happened and I did sent my statement thru email. Every time I talked to them, It's always with different customer representatives, and they don't make things clear for me. I have to asked questions on what's going to happen next, on what to do. They declined my claim twice and I called the Upgrade XXXX  company to reopen it. But after XXXX  days my dispute was declined again and they said they can not reopen the case anymore because it's past XXXX days. and they said that I should have filed a police report and I told them that police station in XXXX ( where the fraud charges were made ) are only open from XXXX Monday thru Friday. I told them that I will find time to go there because I am working and by the time I'm done working, the police station doing the police report is already closed. 
Finally I took half a day off so I can file a police report about these fraud charges on XX/XX/year> and I submitted it to them right away but they said it's too late. Now they said that I'm responsible with over {$1000.00} fraud charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against GS BANK USA for the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 

2.Misuse of Federal Reserve Loans XXXX I am concerned that GS BANK USA may be abusing loans obtained from the Federal Reserve . It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account. 

3.Abuse of Insurance Policy : The bank charged me while collecting on the Insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the Insurance coverage and has resulted in additional Financial burden on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Product: Bank account or service

I previously filed a complaint with the CPFB ( CFPB case # XXXX ; Huntington Bank Case XXXX ) regarding overdraft fees. Huntington told me and the CFPB that it refunded all of the overdraft fees. They did refund the fees on XXXX/XXXX/2016. Later that same day, Huntington reversed itself and withdrew the money from my account again. I believe this was done purposefully to deceive both me and the CFPB. I did not realize the refund reversal initially. 

Also, Huntington indicated in its response that I permitted Huntington to allow my account to overdraft at the time of signing up for my checking account. This is a bold faced lie. I made ABSOLUTELY certain to the bank representative that I did not want my account to overdraft if I did not have the funds in my account to cover a transaction. In Huntington 's response, they indicated I could opt out without providing detailed instructions to do so.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXXXXXX XXXX and XX/XX/year>. 
I do not recognize the accounts, reported. The accounts appearing on my consumer credit report maintained in report were not opened, made, or initiated by me. All of the aforementioned accounts, of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX 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 DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEARS ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Debt collection

I was informed once I paid the amount owed that it would be taken off my credit reports and it was not.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXF Account XXXX has violated my rights. Or a list of inquiries : 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.