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

I have a loan with XXXX XXXX XXXX, XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX XXXX   XXXX XXXX, XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

XXXX XXXX suggested I apply for another card to increase my credit rating. They recommended an Apple Pay card. I was not aware that I had to use this card with the wallet application or I never would have applied for it. 

My credit went down because I applied for this card. 

The card requires me to use my phone. I believe this is an effort by apple to get you to buy XXXX. 

I tried to follow the requests on support and now my phone comes up with an apple pay screen every time I try to use my phone! Support blamed me for this even though I did not write the software. I am afraid this is could cause charges to my card. I want out of this agreement but my credit will be damaged due to no fault of my own! 

I do not know how to undo the changes I made to my phone. No one should be forced into something like this. I called them when I saw that they wanted me to use my phone and they said that they could send me a physical card instead. This was not totally true. I still need to use the wallet on my phone. 

This should be illegal. Why does your credit go down before you even use it???
Product: Checking or savings account

I believe that Merrill Lynch, in coordination with certain employers intentionally obfuscates the disposition of 401k accounts after an employee terminates, even when the account has sufficient funds to remain in the 401k plan. 

Specifically, Merrill Lunch and XXXX issued statements that had no identifying information ( account number, etc. ) There was only an online notification that funds were moved into an IRA and no account information was given, or method to access. Their phone tree is horribly complicated and required multiple phone calls to find an agent that could setup online access so I could initiate a rollover. 

My sense is that they prey on the thousands of contractors that accumulate relatively small 401k holdings because of the small pittance that government contractors allow for matching, dissuading employees to contribute. Then effectively absconding with funds by making it very opaque where the money has gone. 

I would be happy to provide a detailed timeline, but am hoping that others have raised this concern and that an investigation has either been or will be made into these practices. 

Coincidentally, I had a similar experience with XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

When I signed up mid XXXX XXXXor my Savings account with Capital one I was promised a higher APY which I have on a copy of my statement. As time goes by the money I get back monthly as interest for my money kept in my savings doesnt seem right, they seem to have lowered the APY on my savings account without any notice, when the whole reason I opened up a savings account with Capital One Bank was because they promised a Higher Rate than many banks and now they dont seem to be holding up to what they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX -XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I RECENTLY PURCHASED A COPY OF MY CONSUMER CREDIT REPORT AND LEARNED THAT I HAVE " XXXX '' UNAUTHORIZED HARD INQUIRIES ON MY CREDIT FILE HURTING MY CREDIT HEALTH. I DID NOT AUTHORIZE ANYONE TO MIS-REPORT OR FRAUDULENT USE MY SOCIAL SECURITY NUMBER FOR ANY PURPOSE OR MATTER WITHOUT MY WRITTEN CONSENT PLEASE REMOVE THESE FALSE INQUIRIES OFF IMMEDIATELY!!! 15 USC 1681B 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 notify you that I am a victim of a data breach and that fraudulent accounts have been added to my credit file. I request that these accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Late Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/XXXX Transunion Credit Agency XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Transunion Credit Report and I noticed that late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this LATE PAYMENT from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards, XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against BANK OF AMERICA BANK OF AMERICAhas this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BANK OF AMERICA to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) BANK OF AMERICA duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Debt collection

I have disputed the account multiple times and they keep saying that's is an accurate account. I have never opened any kind of account like that or ever signed anything thru or for this account. I have absolutely no/any kind of knowledge of what the account is even for.
Product: Credit card or prepaid card

XX/XX/22 {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI card CITI card called me my had hecked 3 times XX/XX/22 {$89.00} Then CITI resolved the issue and canceled the card. 

But the card was heacked on XX/XX/22 {$330.00} When I called CITI card, always they said everything has been fixed and I don't need to worry about it. 
But CITI card keep sending me a bill and this month late fee {$41.00} interrest {$8.00} added I talked over the phone 4 times. 
Always the CITI card say yes but no result. 

The last talk was XXXX XXXX, XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX  account numbers XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, 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 an account without my writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquires was unathorized as someone have stolen my idenity documents are attached to this complaint ....
Product: Vehicle loan or lease

My car, a XXXX XXXX XXXX ( XXXX ) was paid off since XXXX this year to TD Bank. I make the call to receive the car title and they told me it was going to take a couple weeks to receive it. Since then, I have contacted the bank several times to get the car title but nobody told me that there was anything pending. They confirmed several times the vehicle was paid off but the title was just taking long. After months passed, we ( My Husband and I ) decided to sell the car and requested once more the title from the bank but this time they told us we have to pay the dealer fees that were pending. Never in the past had they communicated this to me, nor do they sent any papers about missing fees! I told them to send me a bill of the pending charges through mail or fax, they Bank told me they were going to do it, but never did. I have requested a couple more times to send me proof of the pending charges so I can make the payment but they havent provided any bill, statement, or proof that something is still remaining/pending on the car to this date. I am unable to sell my vehicle because the bank refuses to send me the car title even though it was already completely paid off. I have financed other car in the past and consulted with friends and family, but they have never heard of dealer fees being paid separately after the car was already paid. Bank hasn't sent any documentation at all so I'm unable to attach any. Also I am unable to access my online account because they closed it when the car was paid off ( last payment confirmation number : XXXX on XX/XX/2018 ).
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXXXXXX, received a text with an alert from Wells Fargo logo, stating unusual activity on my card. A charge of {$540.00} at an XXXX store, is this you? I replied back no, asked 3 more times about my account #, I replied no all 3 times. Text finished with them saying " transaction has been denied & cancelled '', again, with the Wells Fargo logo. That was during the afternoon. When I returned home I went into my account & saw a {$5500.00} withdrawal with a {$25.00} service fee for a wire transfer to XXXX. I called Wells Fargo immediately, and they went ahead and filed a claim. Also they suggested I close my account and open a new account, which I did. I was told that the claim could take up to 10 days, however, within 2-4 days, they had denied the claim & closed it. They said that I gave my permission for the transfer, but refuse to provide me with proof that I did this via a secured, recorded phone line or in person at a Wells Fargo bank, which I am told are the only two ways a wire transfer can be done. After the denial, I went into a Wells Fargo bank and spoke to a banker re : this matter. She called the claim department on my behalf to re file another claim. They denied that. She then wrote to corporate to file a complaint on my behalf and have this escalated. She gave me a claim number to call and keep an eye/ discuss the the process of claim. I did this, they said it could be another 10 days. Again within 2-4 days they denied and closed the claim. All of the times that I have been on the phone or in person, they can not/ will not provide me with the proof that I did this. I did seek out more help from another person/manager and they were going to try again. To date I have not heard from anyone. I have filed a claim with my local Sheriffs department In XXXX XXXX XXXX claim # XXXX.
Product: Credit card or prepaid card

Chime refused to repay me money for charges I never made
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), due to my status as a victim of a data breach and identity theft.

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}
Product: Credit card or prepaid card

Case # XXXX, XXXX XXXX employee # XXXX Case # XXXX, XXXX XXXX employee # XXXX Capital One has daily wire transfers limits to a title company for up to $ XXXX for real estate transactions and only $ XXXX to a business or individuals. If the business is another bank in order to pay down a mortgage, this does not meet Capital One 's definition of a real estate transaction and the $ XXXX daily limit still applies. No exceptions. 

It was never made clear, after multiple requests to XXXX, why a title company poses less wire fraud risk than a bank. I attempted to seek an exception to this rule as it seems onerous to consumers to pose lower limits to another financial institution and potentially unfair and deceptive and may qualify as a violation of UDAAP. 

This limit or differentiation of potential limits based on wire type is not included in opening account disclosures, which seems deceptive : Here : https : //www.capitalone.com/bank/disclosures/rules-governing/ Here : https : //www.capitalone.com/bank/disclosures/wires/ The following resolutions were provided : - Send three separate wire transfers on three separate days to achieve sending $ XXXX and pay the {$30.00} wire transfer fee three times for a total of {$90.00}. Unfair, given that my request would cost {$60.00} more if a title company was involved as opposed to a bank. 
- Request a cashiers check which would take a potential of three business days to arrive.

I ultimately requested to receive the cashier 's check, but will have to pay an additional three days ( plus two days on the weekend ) interest on my mortgage because of this unfair and deceptive practice which will cost me an additional {$190.00} in mortgage interest. 

I will be ending my over 10 year relationship with Capital One because of this discriminatory and potentially non-compliant policy. I have also requested that this be reviewed on backend by Capital One which they explained would take 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXX  - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were XXXX {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXXXXXX XXXX  room was supposed to be charged to their respective XXXX XXXX issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for XXXX {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The Unit Sergeant state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried tonight Monday XX/XX/2019 since XXXX XXXX ( ET ) to experian customer support number XXXX and put all information they ask before talk to live agent but unable to reached, then I tried XXXX and put all information over the phone SSn, Birthdate, numeric street number but again no option for live agent, then i tried another number XXXX and same thing before put all the information but same outcome as before, then I tried another number XXXX no answer then I tried another number XXXX and put all information but unable to contact live representative. their customer service information according to there website I got this message : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX to XXXX XXXX  PT   According to Pacific time right now XXXX XXXX ( PT ) and My time is XXXX ( ET ) why live representative not available and no option to speak representative any their phone number, I reset my passward and user ID but can not log in their member website so i can order there products.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian had neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX.account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions