23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/XXXX and XX/XX/XXXX and on or about XX/XX/XXXX, I called Capital One to explain my financial situation and having recently been on XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXXXXXX I called to request account to be closed without incurring additional interest due to my unpaid leave and lack of finances while in family medical leave. Capital One said my account had already been closed but continued charging me high interests. Additionally, even once I borrowed money, on or about XX/XX/XXXX, to pay minimum due for account not to be charged off, Capital One continued to report late payment even while I made minimum payments through XX/XX/XXXX. Furthermore, at several times Capital One blocked my access to view account/bill/summary/statements not allowing me access to make payments. On XX/XX/XXXX, Capital One sent me an email stating my account would be charged off in less than 30 days, without ever specifying the date. 9 days later which is less than 2 weeks when I attempted to view my account, my account had already been charged off. Capital one harassed me on a monthly basis, they discriminated against me for being XXXX and being on XXXX and XXXX XXXX XXXX XXXX. Capital One offered solutions without results after they said they would stop reporting late payments to all 3 credit bureaus, stop interest fees and closed my account without allowing me access my account multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX XXXX and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct XXXX XXXX showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.
Product: Checking or savings account

Sometime on Wednesday XX/XX/XXXX, i lost my wallet, and had my debit card, ID and bank information inside. Later that day on XX/XX/XXXX and XXXX, unauthorized checks were deposited in my account in the amounts of {$4700.00} and {$5100.00} were deposited into my bank. On XX/XX/XXXX, 2 withdrawals of {$2500.00} were taking out my account and on Friday XX/XX/XXXX, another {$2500.00} was withdrawn, I was not notified until Friday XX/XX/XXXX about these transactions, I was on my XXXX XXXX for my XXXX program both Thursday and Friday XX/XX/XXXX, XXXX from XXXX both days. I filed a claim with Wells Fargo, and police report with my local police station and they launched an investigation, the bank credited me half of the money back, but the lead investigator accused me of somehow being involved in this and giving permission for these withdrawals that i did not authorized. My account also was supposed to be closed at the time, but was not and they are not returning my Direct deposit of {$400.00} and credited it towards my closed account. They also closed my credit card account with them and the available balance i had was credited to this outstanding balanced and told to re apply for another card, when my credit card was not compromised and i still have possession of it. I feel the matter was not handled properly, im pretty sure footage shows that i am not the one at the bank making these withdrawals, and the teller did not follow protocol as to getting identification, or manager involved because those are huge amounts, and i get asked for Identification at my branch for a couple hundred dollars, so all in all i am being forced to pay XXXX to a closed account due to the banks error on catching these huge amount transactions, and feel the case was not handled correctly by the investigator as to accusing me of being involved with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX-XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo received a total of {$190.00} but only refunded {$120.00} to my account. Wells Fargo maintains that if they recover funds outside of the 60 day window that they will refund it. However, Wells Fargo has not done that. They have retained a total of {$70.00} which was outside of the 60 day window from claim XXXX but they will not tell me where those funds went. At this point Wells Fargo has stolen {$70.00} from me. XXXX XXXX indeed verified the total amount of {$190.00} was returned to Wells Fargo. 

The letter that I received from Wells Fargo states quite a discrepancy. The fact is Wells Fargo indeed recovered the additional {$70.00} from a " transaction older than 60 days. '' In the second to last paragraph Wells Fargo 's response stated that if they are able to recover funds from disputed transactions over 60 days old that they would indeed refund those transactions. Wells Fargo has indeed recovered those funds of over 60 days old to the sum of {$70.00} and did not refund me that amount to me. 

As stated in their letter, Wells Fargo only refunded me {$120.00}. I will initiate another complaint because Wells Fargo indeed received a total of {$190.00} from XXXX XXXX. 

In their letter Wells Fargo states " We were not able to reimburse you the additional {$70.00} for those transactions that occurred more than 60 days after we sent you the first statement reflecting the unauthorized activity about which you notified us on XX/XX/2020. '' Then the very next paragraph Wells Fargo states " For transactions that occurred more than 60 days after the activity first appeared on your statements, we will contact the merchant and attempt to recover your money. This process may take up to 120 days. If you ( sic ) efforts are successful, any money recovered will be credit to your account. '' These two responses contradict themselves yet also confirm that Wells Fargo has received the additional {$70.00} in disputed fees. They just have not refunded it to me. This is alarming as I wonder how many other customers may have experienced this. 

Wells Fargo where is the {$70.00} that you recovered?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized compromise of my personal and financial information, which has occurred without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), student records are to be kept confidential, and any breach of this information is a clear and direct violation of my rights.

It has come to my attention that my personal and financial details were improperly accessed and disclosed, leading to a severe breach of my privacy. This breach not only violates federal privacy protections but also places me at risk of identity theft and financial harm. Given the severity of this issue, I request an immediate investigation into this matter and the prompt discharge of the affected student loans associated with my compromised information. 

As a borrower, I have the right to have my personal and financial data safeguarded against unauthorized access. Since this fundamental protection has been violated, I demand that corrective action be taken without delay. Please provide me with written confirmation of the steps being taken to resolve this issue and to ensure that my rights are upheld. 

I expect a response within 30 days of receipt of this letter, outlining the actions your office will take regarding the discharge of my loans due to this violation. Should I not receive an adequate resolution, I am prepared to escalate this matter to the U.S. Department of Education and other relevant authorities.

Please confirm receipt of this dispute letter at your earliest convenience. I appreciate your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT I CHECKED MY CREDIT REPORT, THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY WALLET CONTAINING MY, IDENTIFICATION CARDS, MY DRIVER LICENSE, AND MY SS CARD WERE STOLEN ON XX/XX/XXXX XXXXXXXX XXXX  AT MY HOME DURING MY SON 'S BIRTHDAY PARTY AND HAS NEVER BEEN RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I would like to extend my gratitude for your continued attention to my matter in addition to my formal complaint ( XXXX ). I am aware of the Consumer Financial Protection Bureau 's affiliation with the XXXX XXXX XXXX XXXX ( XXXX  ), a network encompassing more than 50 regulatory agencies worldwide. 

On XX/XX/2023, I received a message from PayPal titled " Acknowledgement of Your Recent Complaint. '' I promptly logged into my PayPal account to review the communication. 

Subsequently, on XX/XX/2023, I received an email from PayPal titled " Your PayPal Funds Are Eligible for Withdrawal. '' Attempting to withdraw funds, I encountered difficulties adding my bank card due to my PayPal account 's permanent limitation. Furthermore, my efforts to link a bank account were unsuccessful as the system only accepted information for US bank accounts, which I do not possess. Despite reaching out to PayPal customer support on the same day for resolution, I have yet to receive any response. It is crucial to note that my only available means to move funds from my PayPal account is by sending funds to another PayPal user or utilizing the balance for online purchases.

In addition to the response from XXXX XXXX XXXX XXXX XXXX XXXX, I have explored various legal options centered around legal agreements. Unfortunately, no dispute options or relevant information have been found to aid in resolving the permanent limitation on my account. I emphasize that I am a XXXX XXXX and registered my PayPal account here in XXXX XXXX. When logging into the PayPal website, all PayPal Help Center information pertains exclusively to PayPal Inc.

I propose that PayPal directs my case to the PayPal Account Limitations department using my PayPal email address ( XXXX ). This step would enable PayPal to review my account and involve the Section Department, as suggested by a PayPal customer support representative who mentioned that the decision to permanently limit my account was made by this department. Alternatively, forwarding my matter to any relevant department that can provide assistance would be appreciated. Please note that I contacted XXXX approximately 1-2 months ago but did not receive any response.

I strongly believe that the decision affecting my account and the challenges I am currently facing with PayPal are unjust. For additional clarity, I have attached relevant documents to this email. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX  & transunion reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  Balance {$460.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiryXXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

BofA closed my account after 8 years without any notification claiming I had used my credit card too much but there was no balance at all for years. I opened my account around XXXX. I have not used my credit card with BofA for years, but I'm doing some renovations and wanted to use my card now. I requested a replacement card and it arrived yesterday. When I tried to activate it today, I could not login to my app or online banking account because it said there were no open accounts. I spent 30 minutes on the phone speaking with one clueless rep after another telling me they didn't know what had happened either. Finally, one rep explains that after issuing me a replacement card they decided to close my account because I had used too much credit on my card. I explained that there was XXXX balance on my card and I hadn't used it in years. I asked what this decision was actually based on and without consulting me at all. She didn't know. She claimed a letter had been mailed to me and I should've received it last week. ( I've received all other mail without any issues. ) I asked how come I got numerous updates via the app and via email about the status of my replacement card, but that I have to call them to find out they closed my accounts without my authorization. She couldn't answer that either. I have been a customer with BofA since XXXX with no issues whatsoever ( no late payments, no large balances, nothing ). The whole thing is incredibly insulting and disrespectful. I moved back to the U.S. as an adult in XXXX and had to build my credit from scratch, despite have had my own credit cards since XXXX ( in XXXX ). I am employed, pay all my bills on time and own my house outright. I am not a credit risk - other than that I am an unmarried woman and I've been told by BofA branch staff before that BofA tries to avoid giving credit to single women, so is that what's going on here? I've spent the past 20 years doing research. Do I need to look into how many other long-term customers have had their accounts closed this year without warning? It'll be interesting to see how many of them were women and/or minorities.
Product: Credit reporting or other personal consumer reports

These items are reporting inaccurately on my credit report and need to be removed in the next 20 business days.
Product: Vehicle loan or lease

Capital One Auto Finance is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items and refund amount paid Capital One Auto Finance has 15 days to provide me with refund, I will be filing form 211 treasury omb form to audit consumers account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leagal obligations under th me Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information from my credit report, leaving inaccurate or unverifiable account result. The consumer financial protection bureau ( CFPB ) has recently filled a lawsuit against experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable reaponses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I have provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians actions violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXX  Account last four numbers XXXX reported by XXXX XXXXXXXX XXXX reported for the months of XXXX & XX/XX/XXXX and XX/XX/XXXX has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy.

15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.