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

I contacted Capital One about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that Capital may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from Capital One within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted Capital One a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted Capital One a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. Capital One handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. Capital One is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Credit Karma report that there was a credit hard inquiry on my account ( first appearing on todays report, XX/XX/2019 ). I have not applied for an loans, apartments, new lines of credit, etc. Of course, Id like to know who and why theres a new hard inquiry.
Product: Checking or savings account

It appears that Wells Fargo intentionally created multiple delays including requiring a borrowers consent form after waiting 7+ months to telll me about this requirement, in order to tack on interest charges to the SBA note so that Wells Fargo can get a bigger payment on the 75 % SBA tax-payer funded guarantee ; the original SBA loan was {>= $1,000,000} and was paid down to approx. {$1.00} XXXX and now from what XXXX XXXX tells me the SBA loan balance is at least {$1.00} XXXX! Here are 3 examples of how WellsFargo artificially extended the timeframe with delays... 

a ) 6 SBA loan payment deferments but no working capital and during this period of payment deferments, I had lenders/investors willing to work with me which means that we could have only needed 2 or 3 payment deferments if Wells Fargo had a good-faith conversation with these third parties but Wells Fargo did not respond to any of my communication attempts. Another huge missed opportunity to fix the mess created by Wells Fargo. 
b ) Wells Fargo still wants me to pay accrued interest on the SBA loan but I had no control over the investigation ). There have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied. 
c ) Wells Fargo still wants me to pay accrued interest, penalties on taxes but I had no control over the investigation ). here have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied.
Product: Debt collection

This company is called XXXX XXXX or Ally Financial and they keep calling my number 6 times a day at least asking for someone I have never heard of. This is a new number and I imagine this was the previous owner of the number. I called them back to report this and they asked my name and said they would take my number off and for me to hold the line. I held the line for over a half-hour and they never came back to the line and continue to harass and call my number.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off of the phone with one of the reps in the Special Services Department by the name of XXXX. I explained to her about how these creditors who are reporting on my Experian Credit Report negatively are not finding my personal information in their systems. I also reached out to the original creditors as well and they also confirmed that they can not find may information in their system as well. 
I spoke to a supervisor in Experian 's membership department who was able to find discrepancies which confirmed what I stated regarding these negative accounts reporting on my Experian Credit Report not being mine. He gave me the following Ticket Number : XXXX. He then proceeded to transfer me back to the Special Services department of Experian. This is when I spoke to XXXX in the Special Services department. I gave her the Ticket Number above and sh informed me that she did not see anything with that particular ticket number. So i explained to her my circumstance I was facing and she informed me that there was nothing further she could do because there is an existing dispute going on as of the XXXX of this month, which it should have been dated the XXXX of XXXX XXXX but I just learned, everything to submit new docs pertaining to my dispute, they are trained to start my whole dispute over again with a whole new date. Remind you, I'm submitting more documents because certain reps are claiming their not getting certain docs I'm sending over, but when I speak to other eps after I had already re-sent the docs again, their confirming its there. So now my whole dispute got pushed to the XXXX of XXXX, XXXX  and will be finalized by XXXX, XXXX, XXXX. 
Their computer systems need a major overhaul. The functions the special service department people have at their disposal need to be majorly overhauled as well. 
The communication with these reps need to be much better.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX  accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Someone put the email XXXX as the primary email on my account. This email is not associated with me. I spoke within 3 US bank agents and they cant say when the change happened or how. I am concerned this is an inside job and/or nefarious. Banking systems should have logging. One agent tried to say it must of been my original email from the XXXX when I opened the account. It has never been a email for me. 

Additionally after removing this email from my profile, the usbank system has a major flaw with updating in other modules. This erroneous email can not be removed from the bill pay notifications module. It continues to be on the pick list and the correct emails can not be selected. This is a bug with the banking system. Agents refused to send a ticket to IT or security. So here I am submitting this to a third party to see if there is any accountability with banking systems to run properly. 

The bank froze my assets on the phone when I specifically said not to. It was retaliation for insisting that the agent escalate the XXXX ) change in email XXXX ) bug in the system. Agent refused and said they could not make a ticket to escalate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. " +*96+
Product: Credit card

Credit card transaction was declined inappropriately. We called Wells Fargo to explain reason for declination. They stated that, due to increased fraud activity during the holidays, it was bank policy to decline all credit card or debit transactions. We rep also stated to us that she was required to tell us that this procedure was " for our protection ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect bankruptcy on my credit report. I have contacted them a few times to get it removed and nothing has been removed yet. It should not be there and the bankruptcy court has already let me know they did Not report this information so they do not know why it is there. and the XXXX claims the court reported it but this is false and I have a letter from bankruptcy court proving they did not report, validate or authorize this so it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I disputed the information reported by the TransUnion with the XXXX XXXX XXXX XXXX XXXX department and received a response on the aforementioned dates. I was notified via email that the creditor would contact TransUnion to remove the closed date of XX/XX/XXXX. This account is open and current. To date from the initial email from the creditor TransUnion has failed to remove the closed date. I feel like these disputes are being totally ignored while my credit score suffers the impact of inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my Equifax report it shows that I made two payments directly to finger hut XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. XXXX But my Equifax account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX  but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter
Product: Credit card

NOTE : I am submitting the news release " tip '' info going to major media sources today. Citibank is still cheating credit card holders, now with their " Deals ''. 

News Release : After reading about Citibank 's XXXX XXXX " largest ever '' fine by CFPB today, it seems the abuse has not ended. I am a victim today of the Citibank " points '' deals. I booked XXXX rooms in XXXX Arizona on XXXX/XXXX/15 and had to use my Citibank credit card. 

The charges were {$100.00} and XXXX. Then, I did everything I was told to do when I checked. I showed my XXXX reservation slips and reservation numbers to the merchant motel office employee upon check in on XX/XX/XXXX. 

Upon checkout on XX/XX/XXXX he again charged {$91.00} and {$94.00} for the XXXX rooms, using as instructed the Citibank CC upon check in. The total charges are amounting to XXXX charges for {$400.00} for XXXX meager motel rooms for just one night. 

Since the motel exposed their " true '' pricing with the lower figures, the Citibank " Deal '' is no deal, just a rip off. On top of that, they refuse to reverse or refund on the higher charges. 

Also, their online software allowed XXXX dispute but will not take the XXXX dispute on the higher amount. Also, the one that allowed said it was issuing a temporary credit. But in 24 hours, no such credit was applied to the online balance. 

Let America know about Citibank " Deals ''. They are " No Deal '' as I have found out. How many more get abused each day by them?
Product: Checking or savings account

I had an account with Suntrust and they closed my account XXXX XXXX i went to the branch to collect the rest of my funds out of the account and i was told that the account was officially closed and not payment would come out and nothing would be deposited into the account i paid all fees that i owed. Fast forward to XX/XX/2022 my payroll check got sent direct deposit to the closed account and instead of Suntrust bouncing it back to my employer they accepted the direct deposit i do not have access to this account i called customer service and i was told that its under investigation and they are holding my funds until the investigation is closed and they will send out a check however they dont know when they will be able to send out the check with my funds so they are holding on to my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical accounts shouldnt be on my credit report this medical account is under 180 Days please Remove Off My Transunion credit report!! This is a Hippa Violation!!!  This account is 5 months old
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at my credit score and XXXX and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
Product: Debt collection

Please verify that this debt is validation with XXXX and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information to rectify my dispute from the creditor but Experian and XXXX XXXX has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, Experian cant access my credit file and XXXX  keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal license is not expired. The report shows it valid until XX/XX/2019. Please re-run the report again.
Product: Debt collection

This is my third and final attempt to ask United Revenue Corp to remove their erroneous debt claim off of my credit reports. As previously stated I do not have a signed contract with United Revenue Corp. I have never done business with United Revenue Corp. I have asked for proper validation twice by mail and three time via XXXX  and CFPB. Again United Revenue Corp has FAILED to provide the proper validation that meets FRCA regulation. United Revenue Corp even states themselves that that have provided verification. I am not asking for verification. I am asking for validation. United Revenue Corp claims that no inaccuracies were found in their report to XXXX and investigation in this account but their documentation is shown in response XXXX for a XXXX XXXX, which is clearly NOT me. This is why I as the consumer have the right to ask for PROPER VALIDATION. The next time United Revenue Corp hears from me will be through litigation if they do not remove their erroneous, non-validated account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry fromXX/XX/2018 + XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a legit check from XXXX XXXX  and chase froze my entire account because they refused to verify check, this cause a stop in all transactions and the account to go negative it cost me several transactions. They had to right to say the check is fraud when it is a legit check, when I called to solve the problem the first lady was so rude I was in tears, then I got a manager and she kept apologizing says XXXX XXXX  is closed They can't do anything, I am XXXX  disabled this affected me badly and caused XXXX  XXXX  with XXXX XXXX, I couldn't breath normal for 2 days. All because they were to lazy to verify check and instead froze my account.
Product: Credit card or prepaid card

There was a fraudulent transaction on my discover card XX/XX/2019. I contacted discover the day after it happened. They took off the charge and then a few months down the road they re-added the charge and accused me of having done the transaction myself. I have proof that I was not in the area as it is very far away from my house. I have contacted discover multiple times for them to investigate and every time I get a response to give them 6 weeks to re-open the investigation. They never contact me back and then I have to reach out and for them to tell me that there was no additional information that would allow them to investigate further. It seems as though there is no effort in their investigation and it is simply convenient for them to place the blame on me. I have never been to that store in my life and I didnt even know what it was until discover told me. I very rarely travel that far away from home to go shopping.