23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.
Product: Credit card or prepaid card

I received the offer information to apply for the Barclays ' XXXX Mastercard, which it clearly says " XXXX Introductory annual fee the first year, after that {$99.00} '', I got the offer and I was never told I needed to apply " inflight '', so I took the offer and signed up for the card online, thinking the offer was the same ( nobody explained that doing it online, the offer changed ). I got accepted for the card and soon as I received it I was charged for {$99.00} for the annual fee. I called Barclays costumer service, and is until then when they explained to me that the original offer it is only for people that apply inflight. I was told they couldn't help me in any other way than for me to pay the annual fee or to cancel my account. I feel I was completely tricked and I truly believe the company Barclays is giving misleading information to the applicants of the credit card XXXX. I canceled the credit card, because I don't think is fair the way that they made me sign for it, and now my credit score will be affected for the misleading information from Barclays Bank Delaware. I don't think is fair at all.
Product: Checking or savings account

On our about XX/XX/XXXX, I opened online a checking account with Citibank. I received the debit card in the mail, and was unable to activated online, it kept giving me an error, in XXXX XXXX went in personally into the branch, and spoke to the teller, she instructed me to make a deposit through the ATM machine in the lobby, I did. 
Later I decided to use the account, to collect funds from friends and family for a young cousin 's XXXX XXXX, and linked it with XXXX with the email XXXX, on XX/XX/XXXX. Tested that it worked from another personal account on XX/XX/XXXX, with a {$1.00} transfer, since it worked. I started receiving XXXX 's there since that day. 
On XX/XX/XXXX, again I went to the local Citibank branch ( same where I activated the debit card, and made the cash deposit ), and asked for {$5700.00} to be wired transferred to the clinic in XXXX, XXXX. I had the invoice and all the wire information from the clinic, after a few minutes I was told the account had been blocked, and most likely I would receive a cashier check, or the senders ( including myself ) would get their money back, because I violated the terms of my account, to go back in 72 hrs. I went back 72 hrs, a week, 2 weeks and month, and many other times, no re-solution. I was told to wait it would be via regular mail or directly with people, because they had to wait, and see that no one had filed a complaint that it was fraud. It wasn't it was mostly family, and some friends. I understood, but Neither has happened, its been almost six months. I have gone to the branch, the manager says there is nothing he can do. I have called Citibank, different departments and no one knows or can't talk to me, since they closed the account, and im no longer their client. No one including, myself, my daughter, other family members and my husband has received a refund, nor have I received a cashier check refunding the full amount of the money in the account, at the time they closed it or denied me access to it. The total amount in the account that I am owed is {$6600.00}
Product: Consumer Loan

Santander has reported excessive late payments on my credit report. I was never 90 days late. Santander stated that they repossessed my car at 85 days late so 90 day reporting is inaccurate, furthermore it was repeatedly reported as 90 days late XXXX times from the time of repossession dating past the point of settling the account balance in XX/XX/2016. This account is affecting the integrity of my credit report and defaming my repayment even after I settled my account to try and rectify my repossession. I disputed the inaccuracy of this credit reporting numerous times and santander is yet to thoroughly investigate it or correct it to this date I have XXXX 90 day late payments on an account that I never even had XXXX causing my credit denials and unfair interest rates due to the eccessiveness of the derogatory history that 's reporting. 
I have proof of these allegations on demand for review.
Product: Checking or savings account

I have reported to Bank of America of Disputed transactions that I did not authorize anyone to use my debit card. Bank of America denied the Claim Number XXXX filed on XX/XX/XXXX. BofA states I am liable for the transactions. BofA Rep. advised to file a police report. I have made and submitted a Long Beach Police Report of the financial theft and a California license to have the money returned, BofA has declined my claim XXXX times from XX/XX/XXXX. BofA has informed me they ATM video will be accessed. I aggreed to have the video pulled from of transaction. BofA has denied dispute after the fact, of accessing the person that is on the video, XXXX has sent me picture of the women that is stealing my money. 

I called XX/XX/XXXX to be informed of the dispute. The BofA Rep. informed me that the claim will be reoppend and a complaint will be filed. 
The amount Disputed {$3.00}, XXXX Please assist with this detrimental financial theft because I am not responsible for the theft. 
Thank you. 
XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter dated  XXXX   XXXX ,    2017.  Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to formally dispute the inclusion of certain accounts in my consumer report, which I believe to be in violation of my rights under the provisions of 15 USC 1681b and 15 USC 1681c-2 . The accounts in question should not be furnished on my consumer report for the following reasons : Violation of 15 USC 1681b - Permissible Purpose of Consumer Report : Under 15 USC 1681b ( a ) ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I wish to emphasize that I have never provided any written consent to any consumer reporting agency to report the information associated with the accounts in question in my consumer report. This constitutes a clear violation of my rights as a consumer.

Alleged Identity Theft and 15 USC 1681c-2 : I have reason to believe that the accounts listed on my consumer report may be a result of alleged identity theft. Pursuant to 15 USC 1681c-2 , a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have already taken appropriate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case. 

Considering the above, I kindly request the immediate deletion of the following accounts from my consumer report within the statutory time frame as required by law. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX ( UNAUTHORIZED INQUIRY ) XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ( UNAUTHORIZED ADDRESS ) XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of Identity theft I have asked TransUnion and XXXX to block this information. I have sent over three times id theft affidavit, FTC theft report, Police report showing the thief was arrested for using my information and showing I never lived in XXXX  police report clearly states they arrested victim that lives at XXXX XXXX XXXX and that I contacted them from XXXX to let them know that wasn't me. She has been arrested three separate times for using my identity and charged with false information to police officer. Her ID in XXXX shows a different height XXXX inches shorter than my license and XXXX thinner .I have submitted all this documentation to both credit reporting agencies Three different times with only small results XXXX did there research and removed all items I'm asking that TransUnion and XXXX do there research and block these Items as well I can fax over all documentation needed it's only allowing me to upload one document
Product: Credit card or prepaid card

On XX/XX/XXXX. Chase fraud prevent contacted me by text message indicating a suspicious charge to XXXX XXXX in the amount of {$870.00} and asked if I made the charge. I replied that I did not. This indicated that they would not charge me and that they would cancel the card and send me a new one. They did cancel the card and send me a new one, but the charge still appeared on my next ( XXXX ) statement. I called customer service and they said they would remove the charge. It was credited on the XXXX statement. XX/XX/XXXX I got a letter from the fraud department indicating that my claim was denied because I had " received benefit from this transaction ''. I called the fraud line again to dispute it and they said they would reopen the case. They also indicated that XXXX XXXX had provided evidence that someone had provided sufficient information to validate the charge. I don't have their exact working on that. They did reopen the case, but a few weeks later ( XX/XX/XXXX ) I received another letter that the fraud case was denied for the same reason and that I would be charged the {$870.00}. 

Here is the complete text message exchange from XX/XX/XXXX. 

Chase XXXX  : We declined {$870.00} with card ending XXXX at XXXX XXXX XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your card and send you a new one. Msg & data rates may apply. 

Reply : No Response : Thank you. We will close your card and send you a new one. If you recognize all other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card from XXXX to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Student loan

I am trying to get the loan forgiveness program. I qualify and was told by my servicer that even though I have consolidated with them I would have to consolidate with another agency who was solely assuming the loan forgiveness responsibility. In order to do that I would have to sign in to the Federal /student Aid website and transfer my loan. I forgot my password and was unable to answer the security questions to gain access. The loans were taken out back in placed with my servicer back in XXXX. I no longer have the e-mail address or phone number I used to open the account. I sent a letter to Financial Aid informing them of my situation in XXXX XXXX to date I have not received any correspondence back from them and time is running out for the Loan forgiveness program. I am trying to understand why only one agency is responsible for this consolidation. There are thousands of applicants seeking this relief. As mentioned previously I have already consolidated with my current provider. Why can't they perform the application for the loan forgiveness?
Product: Credit reporting or other personal consumer reports

I did not authorized the followings inquiries : 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One regarding their failure to address and investigate inaccuracies in reporting on my XXXX credit report. On XX/XX/XXXX, I sent a dispute letter to Capital One, requesting an investigation into the inaccurate reporting of an account that appears on my XXXX credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. From the payment history all payments made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX were consistently on time. Despite this, Capital One has continuously reporting this account negatively on my XXXX credit report. 

In my dispute letter, I explicitly requested Capital One to provide specific details pertaining to the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, to date, I have not received any response from Capital One. 

Capital One 's refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

I have made diligent efforts to resolve this matter directly with Capital One, but their lack of response and failure to address the inaccuracies have left me with no choice but to escalate this issue to the CFPB for further investigation and resolution. I respectfully request that the CFPB intervene in this matter, conduct a thorough investigation into Capital One 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA.
Product: Credit card

made payment on time but 20 minutes late was charged {$35.00} fee. Called to complain and was told fee would credited back into account for being a loyal customer since 1996 and always paying on time. Now two month later they { DISCOVER CARD } has n't given me a refund!! After phoning a bunch of times!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my Equifax Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Product: Checking or savings account

On XXXX XXXX 2017. I noticed that my checking account was a withdrawn for {$500.00} and I called Chase to make a claim at their fraud dept. i 10min I had the money back in my account in a month later they took it back. I was asked to make a police report so then they can have permission to call the company that owns those machines and to see the camara..I did it, I also was given a fax number where to send it..I did it. I faxed it 5 times they claimed never go it..I send it via regular mail certified and return receipt then they got it..soon after that, they told me that was going to take 30 days to get an answer in fact, I got a letter in the mail saying my case was closed they were not going to return my money due to their own conclusions, I called again, to follow up on that letter and I was given another number to call that is a support dept. and they said go to the police dept and give them this number so we can help..I go to the police dept and I told them this and they said we do n't need to talk to them they have to do their own investigation at that point i was given a detective phone #, I gave him a call he returned my call I explain to him the whole situation and he told me that they were giving me the rounds they should be responsible for situations like to do their own investigation ... but chase has closed my case and they said there is nothing they can do ..I, as a victim I was told to do left and right so I found very unpleasant false statements in their part every body and every dept are trained to lie lie lie at the end of the day I lose. I lost my {$500.00} I spent for certified mail, I spent time on the phone, running to the police dept, calling a first assigned detective, then a second one, so at the end of the day they 're done denying the case. I was put in a huge stress situation that I do n't  appreciate a bit of it. thanks to their lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX  XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and the month of XX/XX/XXXX XXXX I was sent a credit denial letter by from synchrony bank XXXX XXXX XXXX XXXX XXXX XXXX. A person sharing my name, used my personal information and SSN to gain access to my credit via credit card applications. I confronted the front desk at XXXX XXXXXXXX XXXX whom stated it is not possible that they did not verify a persons identity prior to moving forward with the application. This person who applied for credit is my father and those persons as well as synchrony consumer reporting did not verify who's social was being used and allowed for my credit to pull resulting in a credit denial. This person who is attempting to use my credit, name and identity has caused me to recently freeze all accounts as this was no mistake on their part.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit mine and my husbands direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request you assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two disputes to Transunion for the following accounts on my credit report : XXXX XXXX on XXXX/XXXX/XXXX asking for verification of the accuracy of all data. I was never provided evidence of accuracy. 

XXXX XXXX XXXX XXXX asking for verification of the accuracy of all data. I was never provided evidence of accuracy. I believe this debt may belong to someone by the same name.