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

I received a notification from Capital One on an account ending XXXX that XXXX, XXXX, and XXXX reported the account as fraud. Causing Capital One to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This Capital One account was not among the disputed accounts. Capital One is allowing known mistakes like this rather than contact the customer. Looking on the internet reveal that Capital One is well aware of this issue with the credit bureaus. Why is Capital One not requesting a copy of the customer fraud claim from the credit bureaus. It's took UNVERIFIED action against me ... And that without a call to me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Our loan got transferred to Mr. Cooper on XXXX XXXX. We werent able to access the account until XX/XX/2023 to make a payment. The payment was made on this date for {$2500.00}. On XX/XX/2023, another payment was taken out of our account for {$2500.00}. Thus over drafting out account by {$300.00}. We got charged by our bank account {$30.00} for over draft fees. On XX/XX/2023 I messaged Mr. Cooper regarding the overpayment and reimbursement oh the account. When I called the number to verify information, they were unable to do this and needed to call my bank to reimburse my account. They then tried to blame myself for their error of over drafting the account. They then told my husband that the second payment would go towards our XXXX payment. However, on the app it states that the next payment for our mortgage is coming out on XXXX XXXX. I asked if they would cover the over draft fee and they declined.
Product: Checking or savings account

Hello folks. 
1. I opened an account with HSBC online. XXXX XXXX XXXX XXXX  ) XXXX. Bank asked me to submit Form SSA-89 XXXX XXXX XXXX XXXX  XXXX XXXX. Activated the account and got an ATM card. ( XXXX XXXX XXXX  ) 3. Deposited a check from my old personal at the other bank account to my new HSBC account. XXXX XXXX XXXX XXXX  XXXX 4. On XXXX XXXX I saw that the XXXX has already posted the check. 
5. When I tried to check login to my HSBC account on XXXX XXXX I noticed that the account is suspended XXXX XXXX XXXX XXXX XXXX XXXX Called HSBC, they said I have to wait 6 days before they lift the block on account spent about 45 minutes between a " Fraud '' department and " Customer Service ''. 
6. A significant amount in now stuck in some " clearing process '' and on top of that my account is suspended. I can not use any HSBC banking services ( for example, I can't deposit any cash at an ATM and use the debit card ). Does this make any sense?
Product: Credit card

I got a hard inquiry from Wells Fargo on XX/XX/year> for a credit card and I didn't ask for this. I got in touch with XXXX and let them know.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX-XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 XXXXXX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX AES/SUNTRUST XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

put fraud alert on Experian XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't been able to access my credit report in two years now. I called last year ( XXXX ) and was told I would be contacted about the problem. That never happened. 
On XX/XX/XXXX I called Equifax as I was trying to temporarily lift my credit freeze to purchase a car. I had no access to the site and was told to call them. The woman said my account was indeed locked and I needed to fax a copy of my SS card, Drivers license with a cover letter with my name, address, telephone # and reason for sending the documents which I did on XX/XX/XXXX to the number given ( Equifax Dispute Department XXXX fax XXXX XXXX XXXX XXXX GA XXXX ) On XX/XX/XXXX after trying to log in and not being contacted the site said to call them again which I did. I was given a case number XXXX and was told I would be contacted via email shortly. 
As of today my account is still locked and I have received no communication from Equifax in any format. They have been given my address, phone # and email multiple times.