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

XXXX XXXX 3 unauthorized wire transfers were made from my business checking account with Capital One. {$18000.00} @ XXXXXXXX XXXX to XXXX XXXX XXXXXXXX XXXX. {$29000.00} @ XXXX to XXXX XXXX XXXXXXXX XXXX and {$28000.00} @ XXXX to XXXX XXXXXXXX XXXX. Capital One also charged the account 3 {$25.00} fees for the transfers ( total {$75.00} ) For each of these unauthorized wire transfers I was sent an email notice timed the exact time of the request and the sent. 
I spoke with Capital One about XXXX XXXX that day and was told it was in enough time to stop the transfer. 
I have spoken with Capital One regularly and have only received stock answers like we cant give you that info.nothing can be done till the investigation is complete, you cant speak with investigators. 
I have spoken with supervisors also with no help. 
We have had this account for many years and have never authorized Capital One to make wire transfers. 
We were not notified in advance that transfers were submitted and sent.. 
computer algorithms should have flagged these requests for transfers. 
We feel like we are being stonewalled. 
Please help us with the next steps.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have asked for a replacement card many times and I have not received one. Today I am willing to pay to overnight a card to my work address but they said I had to go to a branch. I live in Maine. The closest branch is in Virginia. I asked to speak to a supervisor and was told I could not, my only action was to go to a branch.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification Dear XXXX XXXX XXXX, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX XXXX Experian XXXX Account # : - XXXX this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

CapitalOne emailed me XX/XX/XXXX that they have not received my XXXX payment, but I checked with my bank XXXX XXXX today, XX/XX/XXXX, and they advised that it was debited from my bank XX/XX/XXXX. Due to the bank not being open on the weekend, it showed as drafted from my bank account XX/XX/XXXX. In XX/XX/XXXX, there was an issue of {$450.00} being drafted from my bank account ; although, the funds weren't there, but they did not return to my account. I remained in the negative. Due to XXXX XXXX security, I am unable to take any screenshots of my online banking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX  XXXX XXXX you reported inaccurate information.. US DEPT OF EDXXXX XXXX XXXX you reported inaccurate information.. GLELSI.. 
XXXX These accounts has been furnished..

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU TRANSUNION, XXXX, XXXX have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

The account information is inaccurate as it reports on todays date but should be reporting on XXXX account. {$480.00} past due as of XX/XX/XXXX when it should be XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX  survivor. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Experian has refused to comply with its clear legal obligation. 

As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result of human trafficking or XXXX XXXX. I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in Doe v. Equifax Information Services, LLC, 2020 U.S. Dist. LEXIS 202520, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance. 

Experian 's refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXX XXXX. As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the trafficking I endured. 

I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Experian complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as Experians ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. 

Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Product: Money transfer, virtual currency, or money service

Paypal deceived consumer by packaging virtual antivirus software along with the purchase of a laptop that at the time was supposed to be {$100.00} less
Product: Bank account or service

I had an issue making my monthly car payment to PNC and I called them to make payment arrangements. I gave them a partial payment that day and the remaining portion was to be paid my next paycheck 2 weeks later. I was told that this would be ok. 3 days later my PNC account was overdrawn because they took the remaining part of the payment 7 days prior to the agreement. Now PNC is overdrafting my account {$35.00} every day.
Product: Debt collection

The XXXX XXXX illegally charged billions of students inaccurate loan amounts and was found guilt of doing so in a class action lawsuit. Due to the fraudulent nature of these accounts they have been discharged. I need this fraud removed today!
Product: Vehicle loan or lease

I have a camper loan with state farm bank. Since I took out the loan I have been paying extra. Until recently there was no option to indicate principle payments. The app still doesn't have the option to designate principle payments. Each month I have made a payment including an extra amount for principle. On the anniversary of the loan they recompute the loan. When they do this some of the principle payments are removed and the extra payments are directed toward future interest. Last month I owed around XXXX. I paid XXXX and now owe XXXX on the loan. State Farm bank doesn't allow you to question any transactions older than 3 months even though they just recomputed the loan removing the principle payments. They said I have paid future interest through next XXXX. I was under the understanding when I took out the loan it was a simple interest loan. I always ask because I usually make extra payments. to shorten the term. 

I need a complete audit of the loan to find out where the missing payments went and how they can justify removing my principle payments when my account showed them posting correctly the prior month. There is no recourse since SFB refuses to look at payments older than 3 months
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 a 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 XXXXXXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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

I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started XX/XX/2023 disputing the incorrect display of my name and address to XXXX and Experian. They sent back a stall letter but never corrected the information on my accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian do not provide an account number. 
XXXX reports an account number that is partially masked as XXXX XXXX XXXX XXXX XXXX XXXX All three bureaus report an " Open Account '' as the account type. 
Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. 
Bureau Code : All three bureaus report " Individual Account '' as the bureau code. 
Account Status : XXXX reports XXXX XXXXXXXX XXXX XXXX as the account status, which is not reported by the other bureaus. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while XXXX and Experian do not provide this information. 
Date Opened : XXXX reports a date opened of XXXX XXXX XXXX while XXXX and Experian do not provide this information. 
Balance : XXXX reports a balance of " {$2000.00}, '' while XXXX and Experian do not provide this information. 
High Credit : XXXX reports a high credit of " {$2600.00}, '' while XXXX and Experian do not provide this information. 
Credit Limit : XXXX does not report a credit limit, while XXXX and Experian do not provide this information. 
Past Due : None of the bureaus report past due information.

Payment Status : XXXX reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : XXXX reports a " Last Reported '' date of XXXX XXXX XXXX while XXXX and Experian do not provide this information. 
Date Last Active : XXXX reports a " Date Last Active '' of XXXX XXXX XXXX  while XXXX and Experian do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : XXXX reports XXXX OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). XXXX and Experian do not provide this information.
Product: Credit reporting or other personal consumer reports

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for student loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, EdFinancial, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the PPSL. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( XXXX, XXXX, XXXX ) have all failed to remove the federal student loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my federal student loans, full discharge of my federal student loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to make a purchase at XXXX XXXX on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at XXXX XXXX assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted XXXX by phone and was told it was an Equifax issue. I contacted Equifax and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to Equifax was on XX/XX/2020 and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from Equifax was XX/XX/2020 stating that my initial fraud alert has been placed with the Equifax for 1 year. I have Not gotten anything in the mail from Equifax regarding this issue. They have failed to rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.
Product: Credit reporting or other personal consumer reports

I never gave CRA authorization to provide my private information in accordance with 15 USC 6802! My privacy has been violated, and it is your responsibility as a transfer agent to take these accounts out of my consumer report.
Product: Bank account or service

Chase posted charges to my account in a way to maximize the overdraft fees they charge. I 've personally witnessed this happen several times before with various merchants so I know this is n't a coincidence especially with other customers online who 've shared the same experience. The lower cost items should be charged first and not re-ordered after the fact. XXXX charged me before XXXX did and at the time it overdrafted me by a few dollars so I made a deposit to cover the charge by XXXX to avoid the fee. The charge was only {$5.00} and after my deposit I had more than enough to cover the charge. The same day and a few hours later XXXX charged me but that is n't what is reflected on my statement. It shows the XXXX charge being posted first which costs more than the amount that was available so it took the money I had deposited for XXXX resulting in a fee and then the XXXX got charged again so that also took a fee. I never got a notification from the Chase mobile app about the XXXX charge happening and I have overdraft protection on. I think this is predatory on behalf of Chase as i stated before it happens all the time and when I do overdraft the fees always snowball because Chase WILL post the larger charges first even if that was n't what popped up in recent activity first which should be ILLEGAL. The only explanation I was given was to start a check registar but I do n't even write checks. I guess I 'm not supposed to trust the Chase bank statement?? Furthermore it is my belief that Chase is purposefully posting charges to my account when I 'm low on funds to maximize the fees. The XXXX charge was done a few days prior but it can be taken out whenever. I 'm sure something in their system shows that pending in that waiting period for it finally show up in my bank account. I have money for the charge in another bank account as I do n't trust Chase with my money anymore so I rely on their notifications to be sent to alert me when they feel like taking money out. This is unacceptable and I will NOT back down.
Product: Debt collection

I have received several calls and voicemails from Ace Cash. Today at XXXX XXXX I answered the phone from XXXX. The person simply asked for my name. I confirmed I was who she intended to call and she simply stated that I owed some debt without futher description of why of over {$1000.00} and asked how I would pay and to provide my credit card information over the phone. No further information was provided. I informed her that was not the case, that I thought this was a scam and hung up. I XXXX this Ace Cash and read that this is a frequent scam. I called the number back and was asked for a Case Number or to promptly provide my social security number. I informed the person who answered the phone that I am an attorney well versed in how debts should be collected ( I am in-house counsel for a bank ) and that I wanted more information to file a CFPB claim against Ace Cash and was promptly placed on hold and the line never picked up and a series of pre-recorded prompts read about call volume. Interesting, given there was zero time to pick up the call to speak with me initially. I have never taken out a loan with Ace Cash nor do I owe any debt to Ace Cash and this is clearly a scam. I appreciate your prompt attention to shutdown this scam. I get at least 2-3 calls per week from this entity.
Product: Debt collection

I recently examined my credit report and noticed an account that appears to be incorrect and was added without my awareness.
Product: Credit card or prepaid card

My XXXX score has improved considerably but my requests to lower interest rate has never been answered. Poor customer care to not even respond. 

Ive asked to change the checking account for withdrawal many times over the past 2 years. Again, very poor customer care to not even send me an email. Any correspondence is flagrant and disrespectful. I consider this company fraudulent because their tv ads are filled with lies about their customer care.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. in accordance with the fair credit reporting act XXXX  account # has violated my rights.

2. 15 u.s.c 1681 section 602 A states i have the right to privacy.

3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

4. account # XXXX XXXX XXXX  XXXX