23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number # XXXX 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 a account without my written instructions.
Product: Credit card or prepaid card

I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. 

I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was " my account was locked by corporate, '' " they do not know why, '' " it is impossible for me to speak with anyone in corporate, '' and " I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. '' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, thank you for your consideration.

I check my credit score using XXXX XXXX, and in XX/XX/XXXX-XX/XX/XXXX I noticed my credit score was extremely low. This was mainly due to 85 % utilization on a Capital One Credit Card. Unfortunately, I do not and have never had or owned a credit card from Capital One. I contested it, and it was ruled to be my debt ( although they did reduce the effect it had on my credit report, knocked it from 85 % credit utilization to 55 % ), however that is not good enough. I have never had an account with capital one, nor a credit card, and XXXX, XXXX, XXXX will not help me in this matter. Since it is a credit and not a debit card, I assume that whoever owns the account that is under my name is signing for purchases ( or has in the past ). Usually debit requires a pin, while credit requires a signature, so there has to be some proof out there that this isn't me.

I've managed to bring my credit score up 105 points in a year and I continue to pay my bills on time and do what I can to repair my credit. However, this mark on my credit is causing a huge hit and preventing me from getting a revolving credit account which would help further my score and get me where I need to be. I have no knowledge of this Capital One Account and I have never owned a Capital One Card, and I would like this matter investigated if possible and the tarnishing mark removed from my credit. I have reached the end of the dispute process with the three major Bureaus and they deem it my debt, however I do not understand how as I have never used a Capital One Credit Card in my life.

I really need assistance in this matter. Any help offered would be greatly appreciated. Again, I apologize for the reiteration, however I don't believe its fair for me to have to pay off a debt I didn't incur. I feel the agencies didn't due their due diligence when investigating the matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

A company called NetSpend has twice sent me a debit card in the mail that I did not ask for. From what I understand, they gather people 's personal information, create a debit account in their name, and send them a debit card in the mail. The debit card had a phone number to call to activate the card, but said to just ignore the offer if I did not want it. It bothers me that a company opened a financial account in my name that I did not ask for. No, I did not activate the card, but I believe they would have had to create an account beforehand to be able to send me a card in the mail that was ready to be activated. I think this practice should be illegal. And I believe that it could increase identity fraud if there are financial accounts being created in my name that I am not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently within a XXXX XXXXXXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( XXXX XXXX, XXXX and Equifax ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and XXXX is NOT reporting these payments.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information 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
Product: Credit card or prepaid card

Hello. 
I have been a customer at Wells Fargo XXXX XXXX XXXX. Been over 20 years. 

Always paying on time No late fees Always having credit in my credit card But The in XXXX and XXXX my card was stolen twice, once it was In car and once my wallet completely was gone I contacted Wells Fargo and they told me there was two purchases of XXXX and XXXX on the card. 

So they opened a lost card claim and helped me. 
I got a letter said the claim has been resolved and fixed the issue and it was in my favor. 

Two weeks later, I check my card and the dispute for reversed because they believe that the dispute wasnt fraud because it happened at the same place. 

I have called them and tried to work things with them explaining how is it my fault, its life and anything is possible but they refuse to help me.
Product: Credit reporting

I filed a complaint with CFPB on XXXX/XXXX/2015 against Trans Union ( please refer to case # XXXX ) Trans Union stated that it would take them 60 days to respond. To this date no response from Trans Union, the items that were disputed still remains on my credit report. Trans Union has violated FCRA by not conducting a re investigation as stated in their response to complaint # XXXX. Trans Union only removed judgments.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY NAVY FEDERAL ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Credit card or prepaid card

Please read attached documentation and evidence. 
Capital ONE has been overcharging both my # XXXX and # XXXX credit cards with false entry interest charges and false interest from moving my payments back and forth from both cards and placing fake line entry payments and 3 months later charging me interest.
Product: Credit reporting or other personal consumer reports

I sent numerous letters stating that I had no knowledge of a debt with their company. I have requested documentation asking them to validate this debt they claim I owed such as. 
XXXX. Original contract with the wet signature XXXX. Name XXXX. Address XXXX. Phone number XXXX. Proof of ownership of debt and their right to collect on it XXXX. Break down of the billing and payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX Avenue CCA # XXXX Ref # XXXX Ref # XXXX I have twice sent a request to XXXX Bank to provide me documents to prove the validity of a debt they sold to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX  and they too can not provide me with any copies of any contracts attaching me to this debt or previous statements from the account opening until the ending closing date. XXXX XXXX XXXX has also stated that do not have an How can XXXX Bank sale a debt with out the proper documents. I have stated that I dispute this debt and am once again requesting the following -I request copies of all monthly statements on this account from account opening date through closing date of account ( XX/XX/XXXX- XX/XX/XXXX ). 

-I am now requesting XXXX Bank provide copies of the bank letters mailed on XX/XX/XXXX and XX/XX/XXXX, as stated previously stated in XX/XX/XXXX. 

XXXX Bank has denied me access to these documents required by law. 
There is no full detail of the accounting details or legitamacy of this account. How could XXXX   Bank sale this account with out anything more that partial statements? XXXX Bank bought this debt themselves and does not have the documents. 

XXXX XXXX has also denied being given or having access to the documents I have requested. This sounds like FRAUD. Both XXXX Bank and XXXX XXXX is This is in violation of the Fair Debt Collection Practices Act by using deceptive practices of denying me information I requested with in the time frame allowed by law also request a copy of documents used to open this account ( Drivers License - ETC ). I also request
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

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

XXXXXXXX XXXX XXXX  is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Received another message that I have applied for Chase Credit Card in which I did not I have initiated a complaint previously. Now I have received another notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Claim Number XXXX On XX/XX/XXXX my fiance was involved in a collision in a parking lot at XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX, OK XXXX. The collision was with our XXXX XXXX XXXX and a XXXX XXXX XXXX owned by XXXX XXXX. The XXXX was coming through a feeder lane in the parking lot West Bound while XXXX XXXX was coming south bound on along the main entry and exit lane of the parking lot. XXXX XXXX was traveling at a high rate of speed and distracted and entered the Southbound ( oncoming traffic ) lane and swerved out but not after the XXXX made impact. In all states in the US and XXXX the main entry and exit lane has right of way. My insurance failed to determine this. Placed me initially at fault of of XXXX % stating because XXXX XXXX was in the parking lot first she had right of way. They then dropped the responsibility to XXXX % with us at fault noting she swerved. I have submitted diagrams, correspondence, phone calls, and emails and my insurance is determined to fault me for a claim that they did not properly review. Currently there decision is final and they will no longer review my claim even after i have asked to have the claim reviewed by a different team. The whole process is broken. The communication is broken. They have mishandled the claim and in my belief they know this and to save embarrassment are not proceeding in a manner that is honorable to the what they represent as a company. It goes directly against what they advertise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX-REPORTED XXXX Balance : {$74.00} ; XXXX XXXXREPORTED XXXX Balance : {$9.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.
Product: Checking or savings account

To Whom It May Concern : I have had a checking account with Truist Financial Corporation since XX/XX/XXXX. Over the course of several years I managed to save {$23000.00} in that account ( # XXXX ). On XX/XX/XXXX I created a savings account ( formerly # XXXX ) and moved {$20000.00} from my checking into savings. 

On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX stating my account would be closed ( reference case number XXXX ). The online statement in the Truist app indicated all of the funds were actually withdrawn and my checking account was closed on XX/XX/XXXX. I went into the local branch the next day on XX/XX/XXXX and was able to provide the necessary information to verify my identity, which was identified as the issue, although not explicitly stated in the letter. 
At that time, a local representative informed me my savings account was closed and I would receive a check in the mail in the next XXXX weeks. Several weeks passed and I did not receive my money as was initially stated. On XX/XX/XXXX I returned to the bank and found out they were conducting a fraud investigation. 

I was informed the fraud department showed I deposited the {$20000.00} in one transaction to my savings. This is technically true, but I saved the entirety of this amount in my checking account prior to the transfer to my savings. I have documentation to support this. A representative from the local branch discussed this with the fraud office, but they still refused to release my money. I called to follow up and there have been no actions taken on my case ( XXXX ). It has now been over 35 days since my account was closed by Truist and I have not had access to these funds.

This investigation has been an overall hardship for me and caused me to delay payments. Truist 's inadequate communication and the inactivity in the investigation has required me to make multiple visits and calls.

I am writing to file a complaint against Truist for their poor customer service and for taking longer than 35 days to return my funds. Given there is adequate evidence to support my claim there is no fraud, their delay tactic feels predatory. I am concerned their investigation will result in a finding against me and Truist will retain my funds. I have supporting documentation if the CFPB requires it for their complaint process.

An ideal outcome would be for Truist to complete their investigation immediately, return my {$20000.00} along with the interest I would have earned during this time frame.

Thank you in advance for your assistance in this matter. 

Best, XXXX XXXX
Product: Checking or savings account

I received letter XX/XX/2017 that was adjustment for XXXX $ That amount has been credited to my account as reverse entry. This will appear on my account effective XX/XX/2017. Case : XXXX After I called US BANK XXXX customer service to get explanations For my account balance, they told me I have to call my home US bank, which is located at XXXX XXXX XXXX XXXX, XXXX - UT XXXX ( XXXX XXXX XXXX ) for almost 3 weeks I try daily to know any informations from them, but I got zero result. Every time I call or go there, the cashier told me that the manager is not available, and he is the only one can explain, and answer my questions!! 
Thanks, XXXX XXXX
Product: Student loan

In XXXX, XXXX, I requested a refund of payments made during the XXXX forbearance from my servicer XXXX that the company never filed. On XX/XX/XXXX, I contacted my current servicer, Mohela, for a refund. I filed CFPB complaint # XXXX on XXXX and on XXXX, Mohela sent a letter stating that it had been sent to the Treasury for XXXX and that I would receive a check within 30 days. On XXXX, my student loan balance went up reflecting the refunded amount being applied back to my account. 

It's XXXX, and I still have not received a check. I finally reached out to my XXXX who contacted the Department of Treasury for me to check on the status. The response to their office was that Treasury had not received the request ( language copied from email ) : When a payment does not appear in XXXX, it means payment instructions have not yet been transmitted to XXXX. The forbearance payment promised by Mohela is still with Mohela or whatever agency would transmit the payment instructions to XXXX. You will need to redirect this inquiry to determine when payment instructions will be transmitted to XXXX. 

I can not get an answer from Mohela has to how long it takes Treasury to receive information to issue a check but 2 months seems excessive. It appears that the problem is on Mohela 's end, not on Treasury 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions