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

American Express offers a checking account replacement/prepaid card called 'Serve ' which I 've used for over two years in place of a standard debit card and checking account. Two days ago, I initiated a transaction over the phone using the card in the amount of {$910.00}. I gave the card # to a representative of the merchant and hung up, in anticipation that they 'd run my card and delivery my goods. Instead, I got a call from the merchant saying that they 'd tried to run the card and it was declined. After investigating, she realized that she 'd tried to run the card for {$2000.00} instead of the amount she was supposed to. When I checked my card account, I discovered there was a 'hold ' in the amount of {$930.00} - the entire available balance, on the card and the remaining available balance was {$0.00}. From the viewpoint of the merchant, they got only a 'decline ' message and no 'auth ' code. From my point of view, I was charged {$930.00} - an amount I did n't authorize. When I contacted XXXX, they claim the hold was a procedural matter and that it would expire in 7 calendar days. This is now 4 days before Xmas and I was forced to make a SECOND payment to the merchant of the original {$910.00} and after 6 subsequent phone calls to XXXX, I was stonewalled, told there was 'nothing they could do ' and even hung up on by a representative who grew tired of hearing my complaint. 

This ... practice ... must ... stop. There is NO legal basis for a bank, credit card company or prepaid card provider to hold or make unavailable funds subsequent to a DECLINED transaction. It 's like saying, 'well, you did n't have enough room for that transaction ... but now we 're going to hold on to what you DO have ... for 7 days '. HOW has this been allowed to go on? This is unfair to consumers and only pads the assets of big banks and credit providers temporarily at the expense of our finances, cash flow health ... and our sanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act says that, information on a credit report has to be timely, verifiable and accurate. I have made several attempts to remind the bureaus of their duty pursuant 15 USC 1681. It appears they are intentionally and willfully neglecting my request to investigate this account. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filling this complaint as another attempt to get this resolved. XXXX XXXX  is reporting inaccurate and incomplete information about me, which causing me serious financial stress. XXXX XXXX  account shows no payment history is being reported to XXXX and a different payment history to XXXX and Experian. XXXX XXXX deleted my entire positive payment history on XXXX and created false data to show that the payment history is being reported accurately and fair. This account is now inaccurate, incomplete and no longer fair and must be removed from my credit report immediately. XXXX XXXX  took away all my positive payment history before the account was charged-off and the time is absolutely wrong because they deleted their own payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit report shows a hard inquiry by XXXX XXXX XXXX. The sales person stated a hard inquiry would not occur. Simply a soft inquiry as used in pre-qualifications.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, CAPITAL ONE I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections 392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . 

It's been brought to my attention that CAPITAL ONE has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I haven't provided consent for CAPITAL ONE to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws. 

I demand, with unwavering certainty, that CAPITAL ONE immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that CAPITAL ONE will swiftly address these egregious violations, honoring my rights under federal and state laws. 

Regards,
Product: Credit reporting or other personal consumer reports

In XXXX I purchased a XXXXXXXX XXXX from XXXX XXXX XXXX and XXXX financed the loan through XXXX XXXX XXXX Within XXXX weeks of having the vehicle the XXXX XXXX XXXX and had to be replaced, in which the warrant did cover but it was still a big inconvenience being I bought a vehicle for the reason of having reliable transportation. Within the next XXXX months I had many other issues with the vehicle in which the warranty would not cover so I had out of pocket expenses. Also within less than XXXX months of having them replace the motor, the motor went out again and the warranty would not cover it. I was out of pocket paying for more expenses and having to pay for a new motor. These circumstances put me in a XXXX XXXX at the hands of the dealership who either did not fix the issue the first time or who gave me another bad engine when they first replaced it. Even though the engine they replaced was faulty and did not last but a few months they stated it was not within the warranty and I had to pay out of pocket. I was already dealing with XXXX XXXX from not having a vehicle to be able to work etc since and I was stuck making payments on a vehicle I was not able XXXX XXXX that was having multiple repairs made to it and then having to pay out of pocket for repairs. I feel this is not right and my credit report lists negative remarks when indeed I made timely payments but in XX/XX/year> was when I was without the vehicle for an entire month and paid over XXXX in repairs plus went a month unable to work due to having no vehicle and had XXXX to buy for XXXX kids. These people would not work with me what so ever knowing the position this dealer ship/finance company put me in and they did not try to help or make the situation right after I was deceived in buying a faulty vehicle and they failed to even replace the engine the first time with a suitable one that was not faulty. I have attached all paperwork to this claim. Im in process of legal action
Product: Checking or savings account

I have been with chase bank for almost a year and ive always had my account with enough money it it but the bank is refusing to return my overdraft fee. im very disappointed. i also have direct deposit and i lost my whole paycheck because of it. Im ready to leave and go to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to request further information regarding the reporting of my Santander Consumer USA account XXXX as shown in my credit report under the " Closed '' status. 

I would like to clarify that I am not disputing this account at this time. However, I kindly request the following : A detailed explanation regarding the status marked as " CO '' ( Charge Off ) for XXXX. 
The date of first delinquency that resulted in this charge-off being reported. 
A confirmation of the last payment date and the balance charged off. 
Any relevant supporting documentation related to this account 's payment and closure history. 
Please provide this information for my records so I can better understand and ensure its accuracy.
Product: Checking or savings account

On aproxiametly XX/XX/year> I was a victim of fraud a XXXX  transaction occurred that was Not authorized by me. I reported it immediately to XXXX and my bank. My bank declined to debit me back for fraud that I am supposed to be protected against. I have sent becu several documents even messages from the thief that said he " was not going to dispute the return of funds '' and XXXX took the money from him. However becu has decided to keep my money that was stolen from me. Please fine becu for violations of the banking laws and fraud laws that are promised to protect people.
Product: Student loan

I attended XXXX XXXX XXXX. XXXX years ago, I applied for a borrower defense discharge. Finally, this year it was approved, after XXXX XXXX orders that both applied to my loans. The new servicer, Aidvantage, is claiming my loans don't qualify. They have offered a small credit for my long wait. All they have said is that I should wait to receive information about my loans. It has been weeks since then. This is a nightmare that has lasted 15 years now. I just want this to be over. I'm hoping there can be a resolution to this. I want others to see this and know it's not just them. You can't trust these people.
Product: Credit reporting

XXXX XXXX I feel strongly the following may be hurting my credit because it BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. 

XXXX XXXX This is a formal request for investigation of this account 's account name, account type, and account balance. I believe this information may be inaccurate. Immediate removal of this item is required of you.. 

XXXX XXXX I feel strongly the following may be hurting my credit : account name, account type, and date of last activity. I believe this information may be inaccurate. I need this removed immediately. 

XXXX XXXX This is a formal request for investigation of this account 's date of first payment, credit limit, and account number. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX XXXX I feel strongly the following may be hurting my credit : date of first payment, credit limit, and account number. I believe this information may be inaccurate. I need this removed immediately. 

XXXX Account XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match what it says in my records. 

XXXX Account XXXX Can you please review the responsibility and current amount of this collection. I do not think it 's a 100 % accurate and remove this item immediately from my credit report. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not 100 % accurate and remove this collection immediately from my credit report. 

XXXX XXXX I XXXX Can you take a look at and review the collection type and number because it does n't seem right and remove this item immediately.
Product: Debt collection

I purchased a refrigerator from XXXX XXXX XXXX over a year ago, the account was paid in full. I have no idea why they keep calling me repeatedly.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous XXXX XXXX and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XXXX responded to XXXX : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud XXXX XXXX XXXX refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX XXXX XXXX XXXX refuses to honor this requested release,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was very sick for a few weeks. When I was able to, I checked my business account to pay our rent and noticed multiple charges that added up to about {$930.00} from my Wells Fargo checking account using my debit card. I keep my card with me at all times and not sure how anyone would have access to it. I reached out to Wells Fargo and opened a dispute on the fraudulent charges I was later issued a denial letter from Wells Fargo. I was mailed a letter by Wells Fargo and was told the dispute was declined because the charge was verified. Most days I have no strength to do anything, not even chew my food. Ive lost so much weight which also contributes to my weakness and I have not slept for weeks. I am having to seek government assistance. It seems Wells Fargo is purposely withholding my money from me. I never gave anyone permission to use my debit card for any of the list of transactions reported, as I am the only person with access to it. Wells Fargo and I both have evidence that this is a fraudulent charge. The claim number is attach
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency ( also : experian information solutions inc. ) has mis represented information on my credit report for several months now, and i have been diligent in my efforts to aid them in fixing, however, I just found out today that I was rejected for a vital EIDL aid BECAUSE they reported an inaccurate score to the sba. They are the direct and proximate cause of loss and injury to myself and XXXX XXXX Phone records and recording will show that I tried many times to deal with the company on the matter, however never gotten anywhere, I am now seeking administrative remedy and will pursue punitive damages and recompensation for the harm cause to myself and XXXX XXXX by the information agency and request that the cfpb intercede as to ensure there is no reprisal or further mismanagement or my record as a result of future proceedings. The damage is directly related to the fact that experian did not publish my student loan information and thereby produce a credit score. The student loans are federal loan managed by XXXX. I spoke with XXXX and they assured me that they report the loan information to all three major bureaus, to include experian. The information reports correctly on XXXX and XXXX but not experian. I request swift action be taken.
Product: Credit reporting or other personal consumer reports

I have sent another letter stating what needs to be remove its causing me to lose employment and housing
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/2020 I received an alert that I had a new inquiry on my credit report from Sychrony/Amazon I immediately contacted the vendor to dispute this inquiry and the representative stated they did not know how the application was put through being that when she attempted to verify my information she could not because the actual application did not even have my correct social security number. The representative stated she would send an electronic notification to XXXX  to have the inquiry removed but could not provide me with a copy of this notification. I asked for this situation to be expedited which she said she would attempt to accomplish. After numerous calls to both XXXX  and Synchrony Bank/ Amazon . I have yet to receive a resolution to my issue. The last supervisor I spoke with at Synchrony states that a deletion letter was sent to XXXX   and I will receive a copy of it as well in 7-10 days and that time has elapsed already since the inquiry.
Product: Student loan

I am writing to formally express my frustration and concern regarding the lack of response from Mohela. After multiple attempts to discuss my eligibility for Teacher Loan Forgiveness. Despite following the required procedures and submitting the necessary documentation via fax in early XXXX and I have yet to receive any acknowledgment or response. 

I have attempted to contact your customer service department on multiple occasions through phone calls, emails but my inquiries have gone unanswered. This delay is causing unnecessary stress and uncertainty regarding my student loan status. As a dedicated educator, I rely on accurate and timely communication to ensure I am meeting my obligations while accessing the benefits available to me.
Product: Money transfer, virtual currency, or money service

There were 3 transactions in the amounts of {$500.00}, {$500.00}, and {$200.00}, totaling {$1200.00} that was taken out of my XXXX XXXX XXXX checking account all from PayPal transactions. I have a PayPal account I have not used in over two years that I cant access now due to fraud ( account hacked ). I reached out to PayPal and they confirmed the transaction history is not normal, however, they can not refund the {$1200.00} transaction.
Product: Consumer Loan

I have advised Midland Credit Management twice ( orally ) to stop calling my job phone on XXXX they called my job phone alone XXXX times. I 'm can not to take personal phone calls at work and this can cause up to termination
Product: Mortgage

I applied for a mortgage with Loan Depot ( or MTH Mortgage ) on XX/XX/2022 and was sent a loan estimate. On XX/XX/2022 I received our closing disclosure and the fees were much higher. I emailed Loan Depot and pointed this discrepancy out and they told me that those were the fees. They would not honor the fees that were quoted on our XX/XX/2022 estimate. We needed to close on the property so we paid the fees at closing. We were required by the builder, XXXX XXXX to use their lender ( Loan Depot or MTH Mortgage ) and opted to use their preferred title company so the fees that were quoted should have been correct since they work with each other on the majority if not all of their home sales. 

Quoted on XX/XX/2022 : Title endorsement fee - {$60.00} Title search fee - {$170.00} Title settlement/closing fee - {$390.00} State Tax/Stamps XXXX not quoted any fee State Transfer tax - {$1700.00} HOA Capital Contribution - {$1000.00} Title owner policy - {$550.00} Charged on XX/XX/2022 Title endorsement fee - {$120.00} Title search fee - {$200.00} Title settlement/closing fee - {$650.00} State tax/stamps - {$1100.00} State Transfer tax - {$2900.00} HOA Capital Contribution XXXX {$1400.00} Title owner policy XXXX {$930.00} We don't feel that we should have to be the difference in what was quoted and what the actual fees were since we were not aware of what these fees would be until Loan Depot sent us the estimate on XX/XX/2022, after we applied for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordant with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Theres 5 hard inquiries that I did not authorize these companies ( Macys ) ( Neiman Marcus ) ( XXXX ) to run a hard credit check on my report, theres 3 same inquiries with XXXX , 1 with XXXX and 1 with XXXX and I would like that to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XX/XX/year> -- -> XXXX -- -> : {$1700.00}